GMC Sierra Insurance Rates

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.

U.S. average insurance prices for a GMC Sierra are $908 every 12 months with full coverage. Comprehensive costs on average $138, collision insurance costs $170, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $1,950. Teen drivers pay the highest rates at up to $3,718 a year.

Average premium for full coverage: $908

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Sierra models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The ranges above demonstrate why everyone should compare prices based on a specific location and their own driving history, rather than using price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

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

• The lowest rate with discounts is $560
• Using higher $1,000 deductibles will save around $72 annually
• The average price for the average middle-age driver with $500 deductibles is $908
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,040
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,950
• The price to insure a teenage driver for full coverage may cost $3,718 or more

View Chart as Image

Insurance prices for a GMC Sierra are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Sierra.

Choosing high deductibles could cut prices by as much as $210 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,500 additional each year, depending on your age. GMC Sierra insurance for high-risk drivers can be around 40% to 134% more than average. View High Risk Driver Rates

The state you live in has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see prices as low as $660 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,230 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 1991 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.

How to Shop for the Cheapest GMC Sierra Insurance

Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the ideas that were touched on above.

• 16 to 18-year-old drivers pay higher prices, costing up to $310 a month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,040 more each year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $200 each year
• You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date

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.

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

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

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.

• Chevrolet Silverado
• Ford F-150
• Nissan Titan

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