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GMC Sierra Insurance Rates

GMC Sierra insurance

The average insurance rates for a GMC Sierra are $1,388 a year for full coverage. Comprehensive insurance costs on average $318, collision insurance costs $564, and liability is estimated at $354. A liability-only policy costs approximately $416 a year, and high-risk insurance costs $2,990 or more. Teen drivers cost the most to insure at up to $5,068 a year.

Average premium for full coverage: $1,388

Policy rates by type of insurance:

Comprehensive $318
Collision $564
Liability $354

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 $416 for a discount liability-only rate to a much higher rate of $2,990 for a driver who requires high-risk insurance.

Liability Only $416
Full Coverage $1,388
High Risk $2,990

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 $1,041
Small Cities $1,457
Large Cities $1,874

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.

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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 $798
  • Choosing higher $1,000 deductibles can save around $200 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,388
  • Choosing more expensive low deductibles for comp and collision coverage will cost an additional $388 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,990
  • Policy cost that insures a 16-year-old driver with full coverage may cost $5,068 each year

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing GMC Sierra insurance prices range from $798 to $5,068 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 $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 129% 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 $5,000 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 $990 a year in states like Idaho, Maine, and Iowa, or as much as $2,210 on average in Michigan, Louisiana, and New York.

GMC Sierra Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,332-$56-4.0%
Alaska$1,140-$248-17.9%
Arizona$1,392$40.3%
Arkansas$1,404$161.2%
California$1,558$17012.2%
Colorado$1,440$523.7%
Connecticut$1,818$43031.0%
Delaware$1,688$30021.6%
Florida$1,874$48635.0%
Georgia$1,376-$12-0.9%
Hawaii$1,498$1107.9%
Idaho$964-$424-30.5%
Illinois$1,030-$358-25.8%
Indiana$988-$400-28.8%
Iowa$1,044-$344-24.8%
Kansas$1,274-$114-8.2%
Kentucky$1,796$40829.4%
Louisiana$2,248$86062.0%
Maine$950-$438-31.6%
Maryland$1,426$382.7%
Massachusetts$1,222-$166-12.0%
Michigan$2,552$1,16483.9%
Minnesota$1,218-$170-12.2%
Mississippi$1,358-$30-2.2%
Missouri$1,184-$204-14.7%
Montana$1,258-$130-9.4%
Nebraska$1,142-$246-17.7%
Nevada$1,792$40429.1%
New Hampshire$1,132-$256-18.4%
New Jersey$1,382-$6-0.4%
New Mexico$1,288-$100-7.2%
New York$1,804$41630.0%
North Carolina$984-$404-29.1%
North Dakota$1,350-$38-2.7%
Ohio$978-$410-29.5%
Oklahoma$1,686$29821.5%
Oregon$1,298-$90-6.5%
Pennsylvania$1,562$17412.5%
Rhode Island$1,682$29421.2%
South Carolina$1,292-$96-6.9%
South Dakota$1,088-$300-21.6%
Tennessee$1,246-$142-10.2%
Texas$1,332-$56-4.0%
Utah$1,228-$160-11.5%
Vermont$986-$402-29.0%
Virginia$998-$390-28.1%
Washington$1,222-$166-12.0%
West Virginia$1,412$241.7%
Wisconsin$1,414$261.9%
Wyoming$1,534$14610.5%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Choosing high deductibles can save as much as $590 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 $318 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

GMC Sierra Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 GMC Sierra$318$564$354$1,388
2017 GMC Sierra$304$542$370$1,368
2016 GMC Sierra$292$538$378$1,360
2015 GMC Sierra$282$524$396$1,354
2014 GMC Sierra$272$502$408$1,334
2013 GMC Sierra$256$486$420$1,314
2012 GMC Sierra$246$450$428$1,276
2011 GMC Sierra$236$424$432$1,244
2010 GMC Sierra$228$380$436$1,196
2009 GMC Sierra$212$350$436$1,150
2008 GMC Sierra$204$328$440$1,124
2007 GMC Sierra$200$306$450$1,108
2006 GMC Sierra$186$284$450$1,072
2005 GMC Sierra$180$258$454$1,044
2004 GMC Sierra$168$236$450$1,006
2003 GMC Sierra$158$214$450$974
2002 GMC Sierra$154$192$446$944
2001 GMC Sierra$150$188$436$926
2000 GMC Sierra$148$180$428$908
1999 GMC Sierra$136$170$424$882

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 $1,600 more each year for car insurance
  • Teenagers are expensive to insure, costing up to $422 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

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Rates by Driver Age

GMC Sierra Insurance Rates by Driver Age
Driver AgePremium
16$5,068
20$3,190
30$1,454
40$1,388
50$1,264
60$1,240

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,776
$250$1,598
$500$1,388
$1,000$1,188

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,388
50/100$1,587
100/300$1,675
250/500$1,905
100 CSL$1,622
300 CSL$1,817
500 CSL$1,959

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra Insurance Rates for High Risk Drivers
AgePremium
16$7,242
20$5,068
30$3,064
40$2,990
50$2,852
60$2,822

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 $192

Potential Rate Discounts

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

DiscountSavings
Multi-policy$74
Multi-vehicle$71
Homeowner$19
5-yr Accident Free$104
5-yr Claim Free$89
Paid in Full/EFT$65
Advance Quote$69
Online Quote$99
Total Discounts$590
Rate after discounts $798

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

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