GMC Canyon Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a GMC Canyon are $1,238 a year including full coverage. Comprehensive costs approximately $228, collision costs $400, and liability insurance costs $452. A policy with only liability insurance costs as little as $504 a year, with a high-risk policy costing around $2,680. Teen drivers pay the most at $4,788 a year or more.
Average premium for full coverage: $1,238
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Canyon models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a GMC Canyon go from the low end price of $504 for liability-only coverage to the much higher price of $2,680 for high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how location impacts auto insurance prices.
These rate differences highlight why everyone should compare rates using their specific location, rather than relying on price 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.
Additional Charts and Tables
The chart below breaks down estimated GMC Canyon insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $724
- Drivers who choose higher $1,000 deductibles will pay $142 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,238
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,514
- High risk drivers with multiple violations and an at-fault accident could pay around $2,680 or more
- An auto insurance policy that insures a teen driver for full coverage can cost $4,788 a year
Car insurance prices for a GMC Canyon also have a wide range based on the model of your Canyon, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. GMC Canyon insurance for high-risk drivers can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age
Where you choose to live makes a big difference in GMC Canyon insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,770 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$118 | -9.5% |
| Alaska | $948 | -$290 | -23.4% |
| Arizona | $1,028 | -$210 | -17.0% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,410 | $172 | 13.9% |
| Colorado | $1,182 | -$56 | -4.5% |
| Connecticut | $1,272 | $34 | 2.7% |
| Delaware | $1,400 | $162 | 13.1% |
| Florida | $1,550 | $312 | 25.2% |
| Georgia | $1,142 | -$96 | -7.8% |
| Hawaii | $888 | -$350 | -28.3% |
| Idaho | $836 | -$402 | -32.5% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $932 | -$306 | -24.7% |
| Iowa | $834 | -$404 | -32.6% |
| Kansas | $1,176 | -$62 | -5.0% |
| Kentucky | $1,690 | $452 | 36.5% |
| Louisiana | $1,832 | $594 | 48.0% |
| Maine | $762 | -$476 | -38.4% |
| Maryland | $1,020 | -$218 | -17.6% |
| Massachusetts | $990 | -$248 | -20.0% |
| Michigan | $2,150 | $912 | 73.7% |
| Minnesota | $1,034 | -$204 | -16.5% |
| Mississippi | $1,482 | $244 | 19.7% |
| Missouri | $1,096 | -$142 | -11.5% |
| Montana | $1,330 | $92 | 7.4% |
| Nebraska | $976 | -$262 | -21.2% |
| Nevada | $1,486 | $248 | 20.0% |
| New Hampshire | $892 | -$346 | -27.9% |
| New Jersey | $1,382 | $144 | 11.6% |
| New Mexico | $1,096 | -$142 | -11.5% |
| New York | $1,302 | $64 | 5.2% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,014 | -$224 | -18.1% |
| Ohio | $856 | -$382 | -30.9% |
| Oklahoma | $1,270 | $32 | 2.6% |
| Oregon | $1,132 | -$106 | -8.6% |
| Pennsylvania | $1,182 | -$56 | -4.5% |
| Rhode Island | $1,650 | $412 | 33.3% |
| South Carolina | $1,120 | -$118 | -9.5% |
| South Dakota | $1,044 | -$194 | -15.7% |
| Tennessee | $1,084 | -$154 | -12.4% |
| Texas | $1,492 | $254 | 20.5% |
| Utah | $916 | -$322 | -26.0% |
| Vermont | $848 | -$390 | -31.5% |
| Virginia | $740 | -$498 | -40.2% |
| Washington | $956 | -$282 | -22.8% |
| West Virginia | $1,134 | -$104 | -8.4% |
| Wisconsin | $856 | -$382 | -30.9% |
| Wyoming | $1,104 | -$134 | -10.8% |
Choosing high deductibles could save up to $420 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Canyon SLE Regular Cab 2WD | $1,146 | $96 |
| GMC Canyon SLE Ext Cab 2WD | $1,180 | $98 |
| GMC Canyon SLE Ext Cab Z71 2WD | $1,180 | $98 |
| GMC Canyon SLE Crew Cab 2WD | $1,216 | $101 |
| GMC Canyon SLE Crew Cab Z71 2WD | $1,252 | $104 |
| GMC Canyon SLE Regular Cab 4WD | $1,154 | $96 |
| GMC Canyon SLT Ext Cab 2WD | $1,252 | $104 |
| GMC Canyon SLE Ext Cab 4WD | $1,188 | $99 |
| GMC Canyon SLT Crew Cab 2WD | $1,288 | $107 |
| GMC Canyon SLE Ext Cab Z71 4WD | $1,222 | $102 |
| GMC Canyon SLE Crew Cab 4WD | $1,260 | $105 |
| GMC Canyon SLE Crew Cab Z71 4WD | $1,294 | $108 |
| GMC Canyon SLT Crew Cab 4WD | $1,294 | $108 |
| GMC Canyon SLT Ext Cab 4WD | $1,294 | $108 |
Rates assume 2018 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 |
|---|---|---|---|---|
| 2018 GMC Canyon | $228 | $400 | $452 | $1,238 |
| 2015 GMC Canyon | $196 | $310 | $460 | $1,124 |
| 2012 GMC Canyon | $172 | $252 | $474 | $1,056 |
| 2006 GMC Canyon | $136 | $160 | $452 | $906 |
| 2005 GMC Canyon | $126 | $152 | $446 | $882 |
| 2004 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 Find Affordable GMC Canyon Insurance
Finding better rates on GMC Canyon insurance not only requires having a good driving record, but also having a positive credit history, refrain from filing small claims, and avoiding coverage lapses. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The next list is a brief review of the material that was touched on above.
- Drivers who purchase increased levels of liability coverage will pay about $500 per year to go from 30/60 bodily injury limits to the 250/500 level
- Drivers age 20 and younger pay the highest auto insurance prices, with the cost nearing $399 per month if full coverage is purchased
- High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,440 more per year to buy GMC Canyon insurance
- Increasing policy deductibles can save approximately $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,788 |
| 20 | $2,860 |
| 30 | $1,276 |
| 40 | $1,238 |
| 50 | $1,134 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,386 |
| $500 | $1,238 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,384 |
| 100/300 | $1,497 |
| 250/500 | $1,791 |
| 100 CSL | $1,430 |
| 300 CSL | $1,678 |
| 500 CSL | $1,859 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,556 |
| 30 | $2,724 |
| 40 | $2,680 |
| 50 | $2,562 |
| 60 | $2,540 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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