GMC Canyon Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average insurance rates for a GMC Canyon are $1,030 a year for full coverage. Comprehensive costs around $166 a year, collision costs $228, and liability coverage costs around $478. Liability-only insurance costs as low as $526 a year, with high-risk driver insurance costing around $2,222. Teen drivers pay the highest rates at $4,154 a year or more.
Average premium for full coverage: $1,030
Price estimates for individual coverage:
Prices include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Canyon trim levels.
Price Range from Low to High
For the normal driver, GMC Canyon insurance prices go from the low end price of $526 for just the minimum liability insurance to a high of $2,222 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above show why it is important to compare prices for a specific zip code, rather than using 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.
Additional Rate Analysis
The chart below shows estimated GMC Canyon insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $623
- Using higher $1,000 deductibles will save about $940 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,030
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,202
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,222 or more
- The price that insures a teenage driver can be $4,154 or more
Car insurance prices for a GMC Canyon are also quite variable based on the trim level of your Canyon, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,200 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,100 a year. View Rates by Age
The state you live in has a huge impact on GMC Canyon insurance rates. A driver around age 40 might see prices as low as $680 a year in states like Idaho, Maine, and Iowa, or as much as $1,470 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $932 | -$98 | -9.5% |
| Alaska | $792 | -$238 | -23.1% |
| Arizona | $856 | -$174 | -16.9% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,174 | $144 | 14.0% |
| Colorado | $984 | -$46 | -4.5% |
| Connecticut | $1,062 | $32 | 3.1% |
| Delaware | $1,166 | $136 | 13.2% |
| Florida | $1,290 | $260 | 25.2% |
| Georgia | $952 | -$78 | -7.6% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $698 | -$332 | -32.2% |
| Illinois | $768 | -$262 | -25.4% |
| Indiana | $776 | -$254 | -24.7% |
| Iowa | $694 | -$336 | -32.6% |
| Kansas | $982 | -$48 | -4.7% |
| Kentucky | $1,408 | $378 | 36.7% |
| Louisiana | $1,524 | $494 | 48.0% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $850 | -$180 | -17.5% |
| Massachusetts | $826 | -$204 | -19.8% |
| Michigan | $1,794 | $764 | 74.2% |
| Minnesota | $864 | -$166 | -16.1% |
| Mississippi | $1,236 | $206 | 20.0% |
| Missouri | $916 | -$114 | -11.1% |
| Montana | $1,108 | $78 | 7.6% |
| Nebraska | $814 | -$216 | -21.0% |
| Nevada | $1,236 | $206 | 20.0% |
| New Hampshire | $742 | -$288 | -28.0% |
| New Jersey | $1,154 | $124 | 12.0% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,086 | $56 | 5.4% |
| North Carolina | $594 | -$436 | -42.3% |
| North Dakota | $844 | -$186 | -18.1% |
| Ohio | $712 | -$318 | -30.9% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $944 | -$86 | -8.3% |
| Pennsylvania | $984 | -$46 | -4.5% |
| Rhode Island | $1,376 | $346 | 33.6% |
| South Carolina | $934 | -$96 | -9.3% |
| South Dakota | $870 | -$160 | -15.5% |
| Tennessee | $904 | -$126 | -12.2% |
| Texas | $1,244 | $214 | 20.8% |
| Utah | $766 | -$264 | -25.6% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $796 | -$234 | -22.7% |
| West Virginia | $944 | -$86 | -8.3% |
| Wisconsin | $714 | -$316 | -30.7% |
| Wyoming | $920 | -$110 | -10.7% |
Choosing high deductibles could cut prices by as much as $270 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Canyon SLE Regular Cab 2WD | $972 | $81 |
| GMC Canyon SLE Ext Cab 2WD | $994 | $83 |
| GMC Canyon SLE Ext Cab Z71 2WD | $994 | $83 |
| GMC Canyon SLE Crew Cab 2WD | $1,014 | $85 |
| GMC Canyon SLE Crew Cab Z71 2WD | $1,038 | $87 |
| GMC Canyon SLE Regular Cab 4WD | $980 | $82 |
| GMC Canyon SLT Ext Cab 2WD | $1,038 | $87 |
| GMC Canyon SLE Ext Cab 4WD | $1,002 | $84 |
| GMC Canyon SLT Crew Cab 2WD | $1,060 | $88 |
| GMC Canyon SLE Ext Cab Z71 4WD | $1,024 | $85 |
| GMC Canyon SLE Crew Cab 4WD | $1,046 | $87 |
| GMC Canyon SLE Crew Cab Z71 4WD | $1,070 | $89 |
| GMC Canyon SLT Crew Cab 4WD | $1,070 | $89 |
| GMC Canyon SLT Ext Cab 4WD | $1,070 | $89 |
Rates assume 2011 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 |
|---|---|---|---|---|
| 2024 GMC Canyon | $294 | $500 | $372 | $1,324 |
| 2023 GMC Canyon | $280 | $482 | $390 | $1,310 |
| 2022 GMC Canyon | $270 | $478 | $398 | $1,304 |
| 2021 GMC Canyon | $260 | $466 | $416 | $1,300 |
| 2020 GMC Canyon | $250 | $446 | $430 | $1,284 |
| 2019 GMC Canyon | $238 | $430 | $442 | $1,268 |
| 2018 GMC Canyon | $228 | $400 | $452 | $1,238 |
| 2017 GMC Canyon | $218 | $376 | $456 | $1,208 |
| 2016 GMC Canyon | $210 | $338 | $460 | $1,166 |
| 2015 GMC Canyon | $196 | $310 | $460 | $1,124 |
| 2012 GMC Canyon | $172 | $252 | $474 | $1,056 |
| 2011 GMC Canyon | $166 | $228 | $478 | $1,030 |
| 2010 GMC Canyon | $156 | $210 | $474 | $998 |
| 2006 GMC Canyon | $136 | $160 | $452 | $906 |
| 2005 GMC Canyon | $126 | $152 | $446 | $882 |
| 2004 GMC Canyon | $120 | $144 | $442 | $864 |
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 the Right GMC Canyon Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at every policy renewal by getting quotes from direct carriers, and also from several local insurance agents.
The following is a quick rundown of the data presented in the illustrations above.
- Consumers who may need higher liability limits will pay about $530 each year to increase from a low limit to the 250/500 level
- Drivers can save up to $120 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $250 each year
- Teens are the costliest to insure, with premiums as much as $346 a month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,154 |
| 20 | $2,362 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $948 |
| 60 | $928 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,166 |
| 100/300 | $1,285 |
| 250/500 | $1,596 |
| 100 CSL | $1,213 |
| 300 CSL | $1,476 |
| 500 CSL | $1,668 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,856 |
| 20 | $3,768 |
| 30 | $2,242 |
| 40 | $2,222 |
| 50 | $2,126 |
| 60 | $2,104 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $407 |
Discounts are estimated and may not be available from every company or in every state.
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