GMC Sierra Insurance Rates
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UPDATED: Jun 6, 2023
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How much is a GMC Sierra 1500 insurance policy? The average GMC Sierra insurance rates are $1,460 a year, or $121 a month.
While the average insurance cost for a 2018 GMC Sierra may be slightly different than a 2016 GMC Sierra cost of insurance, vehicles’ rates shouldn’t vary drastically among model years. Read through our guide to learn how you can secure cheap car insurance rates for your GMC Sierra 1500.
To start saving on GMC Sierra insurance and to receive rates for insurance on GMC vehicles, enter your five-digit ZIP code into our free tool above.
Estimated insurance rates for a GMC Sierra are $1,258 a year including full coverage. Comprehensive costs on average $240 each year, collision costs $400, and liability insurance is estimated at $460. A policy with only liability insurance costs approximately $510 a year, with a high-risk policy costing around $2,720. 16-year-old drivers pay the most at $4,852 a year or more.
Average premium for full coverage: $1,258
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sierra models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a GMC Sierra go from the low end price of $510 for just the minimum liability insurance to a high rate of $2,720 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why all drivers should get quotes based on a specific location, rather than relying 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.
Additional Rate Analysis
The chart below breaks down estimated GMC Sierra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $736
- Choosing higher $1,000 deductibles can save around $146 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,258
- Buying low deductibles for comp and collision coverage bumps up the cost to $1,538
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,720 or more
- An auto insurance policy that insures a teen driver may cost $4,852 each year
Car insurance prices for a GMC Sierra also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually 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 upwards of $4,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,800 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,138 | -$120 | -9.5% |
Alaska | $966 | -$292 | -23.2% |
Arizona | $1,044 | -$214 | -17.0% |
Arkansas | $1,258 | -$0 | 0.0% |
California | $1,432 | $174 | 13.8% |
Colorado | $1,202 | -$56 | -4.5% |
Connecticut | $1,294 | $36 | 2.9% |
Delaware | $1,424 | $166 | 13.2% |
Florida | $1,572 | $314 | 25.0% |
Georgia | $1,160 | -$98 | -7.8% |
Hawaii | $904 | -$354 | -28.1% |
Idaho | $852 | -$406 | -32.3% |
Illinois | $936 | -$322 | -25.6% |
Indiana | $946 | -$312 | -24.8% |
Iowa | $848 | -$410 | -32.6% |
Kansas | $1,196 | -$62 | -4.9% |
Kentucky | $1,716 | $458 | 36.4% |
Louisiana | $1,862 | $604 | 48.0% |
Maine | $778 | -$480 | -38.2% |
Maryland | $1,038 | -$220 | -17.5% |
Massachusetts | $1,008 | -$250 | -19.9% |
Michigan | $2,186 | $928 | 73.8% |
Minnesota | $1,054 | -$204 | -16.2% |
Mississippi | $1,506 | $248 | 19.7% |
Missouri | $1,116 | -$142 | -11.3% |
Montana | $1,350 | $92 | 7.3% |
Nebraska | $992 | -$266 | -21.1% |
Nevada | $1,508 | $250 | 19.9% |
New Hampshire | $906 | -$352 | -28.0% |
New Jersey | $1,408 | $150 | 11.9% |
New Mexico | $1,114 | -$144 | -11.4% |
New York | $1,326 | $68 | 5.4% |
North Carolina | $724 | -$534 | -42.4% |
North Dakota | $1,030 | -$228 | -18.1% |
Ohio | $870 | -$388 | -30.8% |
Oklahoma | $1,294 | $36 | 2.9% |
Oregon | $1,154 | -$104 | -8.3% |
Pennsylvania | $1,200 | -$58 | -4.6% |
Rhode Island | $1,678 | $420 | 33.4% |
South Carolina | $1,138 | -$120 | -9.5% |
South Dakota | $1,062 | -$196 | -15.6% |
Tennessee | $1,102 | -$156 | -12.4% |
Texas | $1,516 | $258 | 20.5% |
Utah | $930 | -$328 | -26.1% |
Vermont | $862 | -$396 | -31.5% |
Virginia | $754 | -$504 | -40.1% |
Washington | $974 | -$284 | -22.6% |
West Virginia | $1,154 | -$104 | -8.3% |
Wisconsin | $872 | -$386 | -30.7% |
Wyoming | $1,120 | -$138 | -11.0% |
Opting for high physical damage deductibles can save as much as $430 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Sierra SLE Regular Cab 2WD | $1,166 | $97 |
GMC Sierra SL Extended Cab 2WD | $1,196 | $100 |
GMC Sierra SLE Crew Cab 2WD | $1,196 | $100 |
GMC Sierra SL Crew Cab 2WD | $1,228 | $102 |
GMC Sierra SLE Crew Cab 2WD | $1,228 | $102 |
GMC Sierra SLE Extended Cab 4WD | $1,228 | $102 |
GMC Sierra SLE Regular Cab 4WD | $1,228 | $102 |
GMC Sierra SLT Extended Cab 2WD | $1,258 | $105 |
GMC Sierra SL Crew Cab 4WD | $1,258 | $105 |
GMC Sierra SLE Crew Cab 4WD | $1,258 | $105 |
GMC Sierra SLT Crew Cab 2WD | $1,288 | $107 |
GMC Sierra SLT Extended Cab 4WD | $1,288 | $107 |
GMC Sierra Denali Crew Cab 2WD | $1,318 | $110 |
GMC Sierra SLT Crew Cab 4WD | $1,318 | $110 |
GMC Sierra Denali Crew Cab 4WD | $1,350 | $113 |
Rates assume 2016 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 |
---|---|---|---|---|
2016 GMC Sierra | $240 | $400 | $460 | $1,258 |
2015 GMC Sierra | $224 | $368 | $460 | $1,210 |
2014 GMC Sierra | $216 | $346 | $464 | $1,184 |
2012 GMC Sierra | $194 | $300 | $474 | $1,126 |
2011 GMC Sierra | $190 | $272 | $478 | $1,098 |
2010 GMC Sierra | $176 | $248 | $474 | $1,056 |
2009 GMC Sierra | $166 | $226 | $474 | $1,024 |
2008 GMC Sierra | $162 | $202 | $468 | $990 |
2007 GMC Sierra | $158 | $198 | $460 | $974 |
2006 GMC Sierra | $156 | $188 | $452 | $954 |
2005 GMC Sierra | $142 | $180 | $446 | $926 |
2004 GMC Sierra | $138 | $170 | $442 | $908 |
Rates are averaged for all GMC Sierra 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 the Best GMC Sierra Insurance
Finding better rates on GMC Sierra insurance takes being a good driver, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a brief recap of the car insurance concepts covered in the above illustrations.
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,460 more each year than a safer driver
- You may be able to save as much as $150 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $425 each year
- Drivers who require an increased level of liability coverage will pay around $510 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
The best way to save on the GMC truck cost of insurance is to shop online for quotes. If you haven’t bought a car yet, you can still shop for quotes to find out the GMC Sierra price range for different model years and trims, such as 2006 versus 2009 GMC Sierra trim levels.
Remember, the age of your model will impact your rates. But by how much for a GMC Sierra? The average insurance cost for a 2018 GMC Sierra will be few hundred dollars higher annually than the 2014 GMC Sierra costs.
If you are ready to start shopping around to find out answers to questions like how much does a 2014 GMC Sierra 1500 cost to insure in my area, or 2018 GMC Sierra costs, enter your ZIP code in our free tool below.
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What are the safety ratings of the GMC Sierra 1500?
It is easier to find cheap insurance for a GMC Sierra 1500 if the GMC Sierra 1500’s safety ratings and features are better than average. The GMC Sierra 1500 does have some great safety features, such as traction control, a blind-spot monitor, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested the 2020 GMC Sierra 1500 pickup. Take a look at the resulting ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating, so the GMC Sierra 1500 did well.
Check to the GMC Sierra 1500 crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 GMC Sierra 1500 PU/RC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2020 GMC Sierra 1500 PU/RC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
2020 GMC Sierra 1500 PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2020 GMC Sierra 1500 PU/EC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
2020 GMC Sierra 1500 PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2020 GMC Sierra 1500 PU/CC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra Limited 1500 PU/EC RWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra Limited 1500 PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra 1500 PU/RC RWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra 1500 PU/RC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra 1500 PU/EC RWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra 1500 PU/EC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra 1500 PU/CC RWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 GMC Sierra 1500 PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 PU/RC RWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 PU/RC 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 PU/EC RWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 PU/EC 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 PU/CC RWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 PU/CC 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Sierra 1500 Hybrid PU/CC RWD | 5 stars | 5 stars | 5 stars | 4 stars |
2017 GMC Sierra 1500 PU/RC RWD | 5 stars | 5 stars | 5 stars | 4 stars |
2017 GMC Sierra 1500 PU/RC 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
2017 GMC Sierra 1500 PU/EC RWD | 5 stars | 5 stars | 5 stars | 4 stars |
2017 GMC Sierra 1500 PU/EC 4WD | 5 stars | 5 stars | 5 stars | 4 stars |
A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Over the years, the GMC Sierra performed well and never scored lower than 4-stars.
GMC Sierra 1500 Compared Against Other Vehicles in the Same Class
The GMC Sierra 1500 is a large pickup, which sometimes can mean higher liability rates, as larger cars can do more damages. Luckily, the IIHS rated the GMC Sierra 1500’s liability losses as average and better than average in comparison to other large pickups.
See the GMC Sierra 1500 insurance loss probability details in the table below.
Insurance Coverage Category | Loss Rate |
---|---|
Collision | -11% |
Property Damage | 22% |
Comprehensive | 6% |
Personal Injury | no data |
Medical Payment | no data |
Bodily Injury | no data |
The lower the number, the better the insurance loss ratio. For this vehicle, the collision loss ratios are substantially better than average. However, the property damage ratio is worse than average.
To see how the GMC Sierra’s 1500 rates compare to other large pickups, view the vehicles below.
If you’re wondering how much does a GMC truck cost, expect to pay around $40,000 or less. How much does a 2014 GMC Sierra cost? Just under $30,000.
We hope you have a better idea of GMC Sierra’s price range for insurance.
To find out how much a GMC Sierra 1500 or other GMC truck will cost to insure in your area, just enter your five-digit ZIP code into our FREE online quote tool.
References
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,852 |
20 | $2,896 |
30 | $1,298 |
40 | $1,258 |
50 | $1,150 |
60 | $1,128 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,538 |
$250 | $1,408 |
$500 | $1,258 |
$1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,258 |
50/100 | $1,442 |
100/300 | $1,557 |
250/500 | $1,856 |
100 CSL | $1,488 |
300 CSL | $1,741 |
500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,890 |
20 | $4,618 |
30 | $2,766 |
40 | $2,720 |
50 | $2,602 |
60 | $2,578 |
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 | $66 |
Multi-vehicle | $67 |
Homeowner | $20 |
5-yr Accident Free | $87 |
5-yr Claim Free | $81 |
Paid in Full/EFT | $53 |
Advance Quote | $60 |
Online Quote | $88 |
Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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