GMC Canyon Insurance Rates
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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: May 17, 2024
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U.S. average insurance prices for a GMC Canyon are $968 every 12 months for full coverage. Comprehensive costs approximately $146, collision costs $190, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,084. 16-year-old drivers pay the highest rates at $3,952 a year or more.
Average premium for full coverage: $968
Price estimates by individual coverage:
Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all Canyon models.
Price Range from Low to High
For a driver around age 40, GMC Canyon insurance prices go from the cheapest price of $522 for just liability insurance to the much higher price of $2,084 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows estimated GMC Canyon insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $589
- Raising to $1,000 deductibles will save $78 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $968
- Buying pricier low deductibles increases the price to $1,114
- Drivers with multiple tickets or accidents could pay around $2,084 or more
- The price to insure a 16-year-old driver for full coverage can cost $3,952
Car insurance prices for a GMC Canyon are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Canyon.
Opting for high physical damage deductibles can reduce prices by up to $230 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra each year, depending on your age. GMC Canyon insurance for high-risk drivers is expensive and can cost from 43% to 138% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on GMC Canyon insurance prices. A middle-age driver might find prices as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,380 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$92 | -9.5% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $926 | -$42 | -4.3% |
| Connecticut | $996 | $28 | 2.9% |
| Delaware | $1,098 | $130 | 13.4% |
| Florida | $1,212 | $244 | 25.2% |
| Georgia | $892 | -$76 | -7.9% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $652 | -$316 | -32.6% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $728 | -$240 | -24.8% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $920 | -$48 | -5.0% |
| Kentucky | $1,322 | $354 | 36.6% |
| Louisiana | $1,432 | $464 | 47.9% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $796 | -$172 | -17.8% |
| Massachusetts | $774 | -$194 | -20.0% |
| Michigan | $1,682 | $714 | 73.8% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,158 | $190 | 19.6% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,038 | $70 | 7.2% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $858 | -$110 | -11.4% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $668 | -$300 | -31.0% |
| Oklahoma | $996 | $28 | 2.9% |
| Oregon | $886 | -$82 | -8.5% |
| Pennsylvania | $926 | -$42 | -4.3% |
| Rhode Island | $1,290 | $322 | 33.3% |
| South Carolina | $876 | -$92 | -9.5% |
| South Dakota | $818 | -$150 | -15.5% |
| Tennessee | $848 | -$120 | -12.4% |
| Texas | $1,166 | $198 | 20.5% |
| Utah | $716 | -$252 | -26.0% |
| Vermont | $664 | -$304 | -31.4% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $748 | -$220 | -22.7% |
| West Virginia | $886 | -$82 | -8.5% |
| Wisconsin | $672 | -$296 | -30.6% |
| Wyoming | $864 | -$104 | -10.7% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Canyon SLE Regular Cab 2WD | $916 | $76 |
| GMC Canyon SLE Ext Cab 2WD | $936 | $78 |
| GMC Canyon SLE Ext Cab Z71 2WD | $936 | $78 |
| GMC Canyon SLE Crew Cab 2WD | $954 | $80 |
| GMC Canyon SLE Crew Cab Z71 2WD | $974 | $81 |
| GMC Canyon SLE Regular Cab 4WD | $926 | $77 |
| GMC Canyon SLT Ext Cab 2WD | $974 | $81 |
| GMC Canyon SLE Ext Cab 4WD | $944 | $79 |
| GMC Canyon SLT Crew Cab 2WD | $992 | $83 |
| GMC Canyon SLE Ext Cab Z71 4WD | $962 | $80 |
| GMC Canyon SLE Crew Cab 4WD | $982 | $82 |
| GMC Canyon SLE Crew Cab Z71 4WD | $1,000 | $83 |
| GMC Canyon SLT Crew Cab 4WD | $1,000 | $83 |
| GMC Canyon SLT Ext Cab 4WD | $1,000 | $83 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Canyon | $270 | $478 | $398 | $1,304 |
| 2023 GMC Canyon | $260 | $466 | $416 | $1,300 |
| 2022 GMC Canyon | $250 | $446 | $430 | $1,284 |
| 2021 GMC Canyon | $238 | $430 | $442 | $1,268 |
| 2020 GMC Canyon | $228 | $400 | $452 | $1,238 |
| 2019 GMC Canyon | $218 | $376 | $456 | $1,208 |
| 2018 GMC Canyon | $210 | $338 | $460 | $1,166 |
| 2017 GMC Canyon | $196 | $310 | $460 | $1,124 |
| 2016 GMC Canyon | $190 | $292 | $464 | $1,104 |
| 2015 GMC Canyon | $184 | $272 | $474 | $1,088 |
| 2012 GMC Canyon | $156 | $210 | $474 | $998 |
| 2011 GMC Canyon | $146 | $190 | $474 | $968 |
| 2010 GMC Canyon | $142 | $170 | $468 | $938 |
| 2006 GMC Canyon | $120 | $144 | $442 | $864 |
Rates are averaged for all GMC Canyon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest GMC Canyon Insurance
Getting lower rates on insurance for a GMC Canyon consists of being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the information covered above.
- Drivers can save around $110 per year simply by quoting online well ahead of the renewal date
- Teenage drivers pay the highest auto insurance prices, with premiums as much as $329 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $225 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,120 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay around $520 each year to raise from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,952 |
| 20 | $2,216 |
| 30 | $980 |
| 40 | $968 |
| 50 | $890 |
| 60 | $870 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,048 |
| $500 | $968 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,095 |
| 100/300 | $1,213 |
| 250/500 | $1,521 |
| 100 CSL | $1,142 |
| 300 CSL | $1,403 |
| 500 CSL | $1,593 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,556 |
| 20 | $3,536 |
| 30 | $2,096 |
| 40 | $2,084 |
| 50 | $1,994 |
| 60 | $1,972 |
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 | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $379 |
Discounts are estimated and may not be available from every company or in every state.
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