Insurance for GMC Vehicles
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 10, 2024
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The table below shows average insurance prices for popular GMC vehicles. More models are listed at the end of this page
| Vehicle Model | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Acadia | $1,294 | $108 |
| GMC Canyon | $1,324 | $110 |
| GMC Hummer EV Pickup | $2,182 | $182 |
| GMC Sierra | $1,460 | $122 |
| GMC Sierra 2500HD | $1,592 | $133 |
| GMC Sierra 3500HD | $1,632 | $136 |
| GMC Sierra | $1,460 | $122 |
| GMC Terrain | $1,336 | $111 |
| GMC Yukon | $1,500 | $125 |
| GMC Yukon XL | $1,454 | $121 |
| Get Rates for Your Model Go | ||
Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
The prior chart uses the data from all GMC vehicles listed in the table above to demonstrate how variations in coverage can impact auto insurance prices.
Insurance rates for a GMC range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,500 a year.
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,400 extra every year, depending on your age. GMC insurance for high-risk drivers ranges anywhere from 44% to 133% more than the average rate.
Opting for high physical damage deductibles can save as much as $660 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more per year
Your home state plays a big part in determining prices for GMC insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $1,990 on average in New Jersey, Michigan, and Montana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,372 | -$146 | -9.6% |
| Alaska | $1,166 | -$352 | -23.2% |
| Arizona | $1,258 | -$260 | -17.1% |
| Arkansas | $1,518 | -$0 | 0.0% |
| California | $1,730 | $212 | 14.0% |
| Colorado | $1,450 | -$68 | -4.5% |
| Connecticut | $1,560 | $42 | 2.8% |
| Delaware | $1,720 | $202 | 13.3% |
| Florida | $1,902 | $384 | 25.3% |
| Georgia | $1,402 | -$116 | -7.6% |
| Hawaii | $1,090 | -$428 | -28.2% |
| Idaho | $1,028 | -$490 | -32.3% |
| Illinois | $1,132 | -$386 | -25.4% |
| Indiana | $1,144 | -$374 | -24.6% |
| Iowa | $1,024 | -$494 | -32.5% |
| Kansas | $1,444 | -$74 | -4.9% |
| Kentucky | $2,070 | $552 | 36.4% |
| Louisiana | $2,248 | $730 | 48.1% |
| Maine | $938 | -$580 | -38.2% |
| Maryland | $1,254 | -$264 | -17.4% |
| Massachusetts | $1,216 | -$302 | -19.9% |
| Michigan | $2,638 | $1,120 | 73.8% |
| Minnesota | $1,272 | -$246 | -16.2% |
| Mississippi | $1,818 | $300 | 19.8% |
| Missouri | $1,346 | -$172 | -11.3% |
| Montana | $1,632 | $114 | 7.5% |
| Nebraska | $1,198 | -$320 | -21.1% |
| Nevada | $1,820 | $302 | 19.9% |
| New Hampshire | $1,094 | -$424 | -27.9% |
| New Jersey | $1,698 | $180 | 11.9% |
| New Mexico | $1,346 | -$172 | -11.3% |
| New York | $1,600 | $82 | 5.4% |
| North Carolina | $874 | -$644 | -42.4% |
| North Dakota | $1,242 | -$276 | -18.2% |
| Ohio | $1,048 | -$470 | -31.0% |
| Oklahoma | $1,560 | $42 | 2.8% |
| Oregon | $1,390 | -$128 | -8.4% |
| Pennsylvania | $1,450 | -$68 | -4.5% |
| Rhode Island | $2,026 | $508 | 33.5% |
| South Carolina | $1,376 | -$142 | -9.4% |
| South Dakota | $1,282 | -$236 | -15.5% |
| Tennessee | $1,332 | -$186 | -12.3% |
| Texas | $1,828 | $310 | 20.4% |
| Utah | $1,124 | -$394 | -26.0% |
| Vermont | $1,040 | -$478 | -31.5% |
| Virginia | $910 | -$608 | -40.1% |
| Washington | $1,174 | -$344 | -22.7% |
| West Virginia | $1,392 | -$126 | -8.3% |
| Wisconsin | $1,050 | -$468 | -30.8% |
| Wyoming | $1,352 | -$166 | -10.9% |
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.
Additional GMC Vehicles
- GMC 500-Class Insurance
- GMC Acadia Limited Insurance
- GMC Classic Insurance
- GMC Envoy Insurance
- GMC Jimmy Insurance
- GMC Safari Insurance
- GMC Savana Insurance
- GMC Savana Cargo Insurance
- GMC Sierra-2500 Insurance
- GMC Sierra-3500 Insurance
- GMC Sonoma Insurance
- GMC Suburban Insurance
- GMC Van Insurance
- GMC Yukon Hybrid Insurance
U.S. averages for full coverage GMC vehicle insurance
National average data is compiled from all 50 U.S. states for the GMC models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,500 |
| 20 | $3,484 |
| 30 | $1,594 |
| 40 | $1,518 |
| 50 | $1,384 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,952 |
| $250 | $1,752 |
| $500 | $1,518 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,868 |
| 20 | $5,534 |
| 30 | $3,354 |
| 40 | $3,272 |
| 50 | $3,118 |
| 60 | $3,088 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $82 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $72 |
| Advance Quote | $76 |
| Online Quote | $109 |
| Total Discounts | $650 |
Discounts are estimated and may not be available from every company or in every state.
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