GMC Canyon 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 10, 2021

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Average insurance rates for a GMC Canyon are $1,268 a year for full coverage. Comprehensive costs on average $238 a year, collision costs $430, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,752. Teen drivers receive the highest rates at $4,882 a year or more.

Average premium for full coverage: $1,268

Rate estimates by individual coverage type:

Comprehensive $238
Collision $430
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Canyon trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,752 for a high risk driver.

Liability Only $496
Full Coverage $1,268
High Risk $2,752

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated GMC Canyon insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $736
  • Drivers who choose higher $1,000 deductibles will pay around $1,116 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,268
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,562
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,752 or more
  • The cost for full coverage for a teen driver may cost $4,882 a year

View Chart as Image

GMC Canyon insurance cost comparison chart
Column chart showing full coverage GMC Canyon insurance rates range from $736 to $4,882

for a GMC Canyon can also vary considerably based on your driver profile, the trim level of your Canyon, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,800 a year. View Rates by Age

Where you live makes a big difference in GMC Canyon insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.

GMC Canyon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$120 -9.5%
Alaska $974 -$294 -23.2%
Arizona $1,054 -$214 -16.9%
Arkansas $1,268 -$0 0.0%
California $1,444 $176 13.9%
Colorado $1,212 -$56 -4.4%
Connecticut $1,304 $36 2.8%
Delaware $1,436 $168 13.2%
Florida $1,586 $318 25.1%
Georgia $1,172 -$96 -7.6%
Hawaii $912 -$356 -28.1%
Idaho $858 -$410 -32.3%
Illinois $944 -$324 -25.6%
Indiana $954 -$314 -24.8%
Iowa $854 -$414 -32.6%
Kansas $1,206 -$62 -4.9%
Kentucky $1,732 $464 36.6%
Louisiana $1,880 $612 48.3%
Maine $782 -$486 -38.3%
Maryland $1,048 -$220 -17.4%
Massachusetts $1,016 -$252 -19.9%
Michigan $2,204 $936 73.8%
Minnesota $1,060 -$208 -16.4%
Mississippi $1,520 $252 19.9%
Missouri $1,124 -$144 -11.4%
Montana $1,362 $94 7.4%
Nebraska $1,000 -$268 -21.1%
Nevada $1,520 $252 19.9%
New Hampshire $912 -$356 -28.1%
New Jersey $1,418 $150 11.8%
New Mexico $1,124 -$144 -11.4%
New York $1,338 $70 5.5%
North Carolina $730 -$538 -42.4%
North Dakota $1,038 -$230 -18.1%
Ohio $878 -$390 -30.8%
Oklahoma $1,304 $36 2.8%
Oregon $1,162 -$106 -8.4%
Pennsylvania $1,210 -$58 -4.6%
Rhode Island $1,692 $424 33.4%
South Carolina $1,148 -$120 -9.5%
South Dakota $1,072 -$196 -15.5%
Tennessee $1,112 -$156 -12.3%
Texas $1,528 $260 20.5%
Utah $940 -$328 -25.9%
Vermont $868 -$400 -31.5%
Virginia $760 -$508 -40.1%
Washington $982 -$286 -22.6%
West Virginia $1,162 -$106 -8.4%
Wisconsin $878 -$390 -30.8%
Wyoming $1,132 -$136 -10.7%

View Chart as Image

GMC Canyon insurance rates by U.S. city

Choosing high deductibles could save up to $450 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

GMC Canyon Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Canyon SLE Regular Cab 2WD $1,172 $98
GMC Canyon SLE Ext Cab 2WD $1,208 $101
GMC Canyon SLE Ext Cab Z71 2WD $1,208 $101
GMC Canyon SLE Crew Cab 2WD $1,246 $104
GMC Canyon SLE Crew Cab Z71 2WD $1,284 $107
GMC Canyon SLE Regular Cab 4WD $1,176 $98
GMC Canyon SLT Ext Cab 2WD $1,284 $107
GMC Canyon SLE Ext Cab 4WD $1,216 $101
GMC Canyon SLT Crew Cab 2WD $1,322 $110
GMC Canyon SLE Ext Cab Z71 4WD $1,252 $104
GMC Canyon SLE Crew Cab 4WD $1,290 $108
GMC Canyon SLE Crew Cab Z71 4WD $1,328 $111
GMC Canyon SLT Crew Cab 4WD $1,328 $111
GMC Canyon SLT Ext Cab 4WD $1,328 $111

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 Canyon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 GMC Canyon $238 $430 $442 $1,268
2015 GMC Canyon $210 $338 $460 $1,166
2012 GMC Canyon $184 $272 $474 $1,088
2006 GMC Canyon $140 $166 $460 $924
2005 GMC Canyon $136 $160 $452 $906
2004 GMC Canyon $126 $152 $446 $882

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 Cheaper GMC Canyon Insurance

Saving money on GMC Canyon insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $450 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $407 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,480 more each year for insurance

Rates by Driver Age

GMC Canyon Insurance Rates by Driver Age
Driver Age Premium
16 $4,882
20 $2,936
30 $1,312
40 $1,268
50 $1,162
60 $1,138

Full coverage, $500 deductibles

Rates by Deductible

GMC Canyon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,426
$500 $1,268
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

GMC Canyon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,416
100/300 $1,527
250/500 $1,814
100 CSL $1,461
300 CSL $1,704
500 CSL $1,881

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Canyon Insurance Rates for High Risk Drivers
Age Premium
16 $6,942
20 $4,680
30 $2,800
40 $2,752
50 $2,630
60 $2,606

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 $177

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $82
Paid in Full/EFT $55
Advance Quote $61
Online Quote $89
Total Discounts $532
Rate after discounts $736

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

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