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GMC Sierra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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.

The average insurance rates for a GMC Sierra are $1,438 a year for full coverage. Comprehensive insurance costs on average $320, collision insurance costs $570, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs $3,108 or more. Teen drivers cost the most to insure at up to $5,306 a year.

Average premium for full coverage: $1,438

Policy rates by type of insurance:

Comprehensive $320
Collision $570
Liability $390

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Sierra trim levels.

Price Range Variability

For the normal driver, GMC Sierra insurance rates range from the low end price of $452 for a discount liability-only rate to a much higher rate of $3,108 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,438
High Risk $3,108

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

Rural Areas $1,079
Small Cities $1,510
Large Cities $1,941

The examples above show why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based 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.

Rates by State, City, and Model

The chart below shows average GMC Sierra insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $825
  • Choosing higher $1,000 deductibles can save around $202 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,438
  • Choosing more expensive low deductibles for comp and collision coverage will cost an additional $394 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,108
  • Policy cost that insures a 16-year-old driver with full coverage may cost $5,306 each year

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing GMC Sierra insurance prices range from $825 to $5,306 for full coverage

Car insurance rates for a GMC Sierra also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.

GMC Sierra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,300 -$138 -9.6%
Alaska $1,104 -$334 -23.2%
Arizona $1,196 -$242 -16.8%
Arkansas $1,438 -$0 0.0%
California $1,638 $200 13.9%
Colorado $1,376 -$62 -4.3%
Connecticut $1,478 $40 2.8%
Delaware $1,630 $192 13.4%
Florida $1,802 $364 25.3%
Georgia $1,330 -$108 -7.5%
Hawaii $1,034 -$404 -28.1%
Idaho $972 -$466 -32.4%
Illinois $1,072 -$366 -25.5%
Indiana $1,084 -$354 -24.6%
Iowa $972 -$466 -32.4%
Kansas $1,368 -$70 -4.9%
Kentucky $1,962 $524 36.4%
Louisiana $2,132 $694 48.3%
Maine $888 -$550 -38.2%
Maryland $1,188 -$250 -17.4%
Massachusetts $1,152 -$286 -19.9%
Michigan $2,502 $1,064 74.0%
Minnesota $1,204 -$234 -16.3%
Mississippi $1,722 $284 19.7%
Missouri $1,276 -$162 -11.3%
Montana $1,546 $108 7.5%
Nebraska $1,136 -$302 -21.0%
Nevada $1,726 $288 20.0%
New Hampshire $1,036 -$402 -28.0%
New Jersey $1,610 $172 12.0%
New Mexico $1,276 -$162 -11.3%
New York $1,516 $78 5.4%
North Carolina $828 -$610 -42.4%
North Dakota $1,180 -$258 -17.9%
Ohio $994 -$444 -30.9%
Oklahoma $1,478 $40 2.8%
Oregon $1,318 -$120 -8.3%
Pennsylvania $1,372 -$66 -4.6%
Rhode Island $1,920 $482 33.5%
South Carolina $1,306 -$132 -9.2%
South Dakota $1,214 -$224 -15.6%
Tennessee $1,262 -$176 -12.2%
Texas $1,736 $298 20.7%
Utah $1,064 -$374 -26.0%
Vermont $984 -$454 -31.6%
Virginia $862 -$576 -40.1%
Washington $1,110 -$328 -22.8%
West Virginia $1,320 -$118 -8.2%
Wisconsin $998 -$440 -30.6%
Wyoming $1,282 -$156 -10.8%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Choosing high deductibles can save as much as $600 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

GMC Sierra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Sierra SLE Regular Cab 2WD $1,310 $109
GMC Sierra SL Extended Cab 2WD $1,354 $113
GMC Sierra SLE Crew Cab 2WD $1,354 $113
GMC Sierra SL Crew Cab 2WD $1,396 $116
GMC Sierra SLE Crew Cab 2WD $1,396 $116
GMC Sierra SLE Extended Cab 4WD $1,396 $116
GMC Sierra SLE Regular Cab 4WD $1,396 $116
GMC Sierra SLT Extended Cab 2WD $1,438 $120
GMC Sierra SL Crew Cab 4WD $1,438 $120
GMC Sierra SLE Crew Cab 4WD $1,438 $120
GMC Sierra SLT Crew Cab 2WD $1,480 $123
GMC Sierra SLT Extended Cab 4WD $1,480 $123
GMC Sierra Denali Crew Cab 2WD $1,524 $127
GMC Sierra SLT Crew Cab 4WD $1,524 $127
GMC Sierra Denali Crew Cab 4WD $1,566 $131

Rates assume 2020 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.

GMC Sierra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 GMC Sierra $320 $570 $390 $1,438
2019 GMC Sierra $306 $566 $398 $1,428
2018 GMC Sierra $296 $552 $416 $1,422
2017 GMC Sierra $286 $530 $430 $1,404
2016 GMC Sierra $270 $512 $442 $1,382
2015 GMC Sierra $260 $474 $452 $1,344
2014 GMC Sierra $250 $446 $456 $1,310
2013 GMC Sierra $240 $400 $460 $1,258
2012 GMC Sierra $224 $368 $460 $1,210
2011 GMC Sierra $216 $346 $464 $1,184
2010 GMC Sierra $210 $322 $474 $1,164
2009 GMC Sierra $194 $300 $474 $1,126
2008 GMC Sierra $190 $272 $478 $1,098
2007 GMC Sierra $176 $248 $474 $1,056
2006 GMC Sierra $166 $226 $474 $1,024
2005 GMC Sierra $162 $202 $468 $990
2004 GMC Sierra $158 $198 $460 $974
2003 GMC Sierra $156 $188 $452 $954
2002 GMC Sierra $142 $180 $446 $926
2001 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 Cheap GMC Sierra Insurance

Finding cheaper rates on insurance for a GMC Sierra takes avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a brief summary of the concepts that were presented in the illustrations above.

  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,670 more each year for car insurance
  • Teenagers are expensive to insure, costing up to $442 each month if full coverage is purchased
  • Drivers can save as much as $170 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $600 each year
  • Drivers can save as much as $170 per year just by shopping early and online

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.

GMC Sierra 1500 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 GMC Sierra 1500 PU/RC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/RC 2WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/EC 2WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/CC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/CC 2WD4 stars4 stars5 stars4 stars
2019 GMC Sierra Limited 1500 PU/EC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra Limited 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/RC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/RC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/EC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/CC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/CC 4WD4 stars4 stars5 stars4 stars
2018 GMC Sierra 1500 PU/RC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/RC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/EC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/EC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/CC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/CC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 Hybrid PU/CC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/RC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/RC 4WD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/EC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/EC 4WD5 stars5 stars5 stars4 stars
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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.

GMC Sierra 1500 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage22%
Comprehensive6%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
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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

  1. https://www.iihs.org/ratings/vehicle/gmc/sierra-1500-crew-cab-pickup/2020

Rates by Driver Age

GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $5,306
20 $3,314
30 $1,504
40 $1,438
50 $1,314
60 $1,288

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,650
$500 $1,438
$1,000 $1,236

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,438
50/100 $1,644
100/300 $1,742
250/500 $1,995
100 CSL $1,683
300 CSL $1,898
500 CSL $2,054

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $7,578
20 $5,272
30 $3,180
40 $3,108
50 $2,964
60 $2,938

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.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $93
Paid in Full/EFT $67
Advance Quote $72
Online Quote $102
Total Discounts $613
Rate after discounts $825

Discounts are estimated and may not be available from every company or in every state.

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