GMC Sierra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

Average insurance prices for a GMC Sierra are $1,258 every 12 months with full coverage. Comprehensive costs around $240, collision insurance costs $400, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,720. 16-year-old drivers receive the highest rates at up to $4,852 a year.

Average premium for full coverage: $1,258

Rate estimates for individual coverage type:

Comprehensive $240
Collision $400
Liability $460

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Sierra trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from the cheapest price of $510 for basic liability insurance to a much higher rate of $2,720 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,258
High Risk $2,720

Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using 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.

Rate Comparisons

The chart below details average GMC Sierra insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $736
  • Using higher $1,000 deductibles will save about $146 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,258
  • Buying more expensive low deductibles for physical damage coverage increases the price to $1,538
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,720
  • The cost to insure a teenage driver with full coverage can be $4,852 or more

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing GMC Sierra insurance rates range from $736 to $4,852 for full coverage

Car insurance rates for a GMC Sierra can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could cut rates by as much as $430 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,700 on average in Florida, Michigan, and New York.

GMC Sierra Insurance Rates by State
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%

View Chart as Image

GMC Sierra insurance rates by U.S. city

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 $1,166 $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.

GMC Sierra Insurance Rates by Model Year
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 Shop for Affordable GMC Sierra Insurance

Saving money on auto insurance requires avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the primary concepts that were touched on above.

  • You may be able to save up to $150 per year just by shopping early and online
  • Drivers with DUI or reckless driving convictions pay on average $1,460 more every year for car insurance
  • Increasing deductibles could save as much as $425 each year
  • Teenagers are the costliest to insure, with premiums as much as $404 per month if the policy includes full coverage

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

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

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 $4,852
20 $2,896
30 $1,298
40 $1,258
50 $1,150
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,538
$250 $1,408
$500 $1,258
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
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

GMC Sierra Insurance 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.

SR-22 Surcharge $174

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
Rate after discounts $736

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

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