GMC Sierra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2024
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Average insurance prices for a GMC Sierra are $1,210 every 12 months for full coverage. Comprehensive insurance costs around $224, collision insurance costs $368, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,618 or more. Teens receive the highest rates at up to $4,702 a year.
Average premium for full coverage: $1,210
Rate estimates for individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Sierra models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $510 for minimum levels of liability insurance to the much higher price of $2,618 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and their own driving history, instead of using averaged prices.
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 Details
The chart below shows average GMC Sierra insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $712
- Choosing higher $1,000 deductibles can save about $134 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,210
- Selecting pricier low deductibles for comp and collision coverage costs an extra $260 every year
- Unlucky drivers with serious driving violations could pay at least $2,618
- The cost to insure a teen driver for full coverage can be $4,702 each year
Insurance rates for a GMC Sierra can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $400 every year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. GMC Sierra insurance for high-risk drivers ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for GMC Sierra insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,730 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$116 | -9.6% |
| Alaska | $928 | -$282 | -23.3% |
| Arizona | $1,006 | -$204 | -16.9% |
| Arkansas | $1,210 | -$0 | 0.0% |
| California | $1,378 | $168 | 13.9% |
| Colorado | $1,158 | -$52 | -4.3% |
| Connecticut | $1,244 | $34 | 2.8% |
| Delaware | $1,368 | $158 | 13.1% |
| Florida | $1,514 | $304 | 25.1% |
| Georgia | $1,116 | -$94 | -7.8% |
| Hawaii | $868 | -$342 | -28.3% |
| Idaho | $820 | -$390 | -32.2% |
| Illinois | $900 | -$310 | -25.6% |
| Indiana | $910 | -$300 | -24.8% |
| Iowa | $814 | -$396 | -32.7% |
| Kansas | $1,150 | -$60 | -5.0% |
| Kentucky | $1,650 | $440 | 36.4% |
| Louisiana | $1,790 | $580 | 47.9% |
| Maine | $748 | -$462 | -38.2% |
| Maryland | $998 | -$212 | -17.5% |
| Massachusetts | $968 | -$242 | -20.0% |
| Michigan | $2,102 | $892 | 73.7% |
| Minnesota | $1,014 | -$196 | -16.2% |
| Mississippi | $1,450 | $240 | 19.8% |
| Missouri | $1,072 | -$138 | -11.4% |
| Montana | $1,300 | $90 | 7.4% |
| Nebraska | $954 | -$256 | -21.2% |
| Nevada | $1,452 | $242 | 20.0% |
| New Hampshire | $874 | -$336 | -27.8% |
| New Jersey | $1,354 | $144 | 11.9% |
| New Mexico | $1,072 | -$138 | -11.4% |
| New York | $1,276 | $66 | 5.5% |
| North Carolina | $696 | -$514 | -42.5% |
| North Dakota | $990 | -$220 | -18.2% |
| Ohio | $836 | -$374 | -30.9% |
| Oklahoma | $1,244 | $34 | 2.8% |
| Oregon | $1,108 | -$102 | -8.4% |
| Pennsylvania | $1,156 | -$54 | -4.5% |
| Rhode Island | $1,616 | $406 | 33.6% |
| South Carolina | $1,096 | -$114 | -9.4% |
| South Dakota | $1,020 | -$190 | -15.7% |
| Tennessee | $1,060 | -$150 | -12.4% |
| Texas | $1,460 | $250 | 20.7% |
| Utah | $896 | -$314 | -26.0% |
| Vermont | $828 | -$382 | -31.6% |
| Virginia | $724 | -$486 | -40.2% |
| Washington | $936 | -$274 | -22.6% |
| West Virginia | $1,108 | -$102 | -8.4% |
| Wisconsin | $836 | -$374 | -30.9% |
| Wyoming | $1,080 | -$130 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra SLE Regular Cab 2WD | $1,124 | $94 |
| GMC Sierra SL Extended Cab 2WD | $1,154 | $96 |
| GMC Sierra SLE Crew Cab 2WD | $1,154 | $96 |
| GMC Sierra SL Crew Cab 2WD | $1,182 | $99 |
| GMC Sierra SLE Crew Cab 2WD | $1,182 | $99 |
| GMC Sierra SLE Extended Cab 4WD | $1,182 | $99 |
| GMC Sierra SLE Regular Cab 4WD | $1,182 | $99 |
| GMC Sierra SLT Extended Cab 2WD | $1,210 | $101 |
| GMC Sierra SL Crew Cab 4WD | $1,210 | $101 |
| GMC Sierra SLE Crew Cab 4WD | $1,210 | $101 |
| GMC Sierra SLT Crew Cab 2WD | $1,238 | $103 |
| GMC Sierra SLT Extended Cab 4WD | $1,238 | $103 |
| GMC Sierra Denali Crew Cab 2WD | $1,268 | $106 |
| GMC Sierra SLT Crew Cab 4WD | $1,268 | $106 |
| GMC Sierra Denali Crew Cab 4WD | $1,294 | $108 |
Rates assume 2017 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 Sierra | $306 | $566 | $398 | $1,428 |
| 2023 GMC Sierra | $296 | $552 | $416 | $1,422 |
| 2022 GMC Sierra | $286 | $530 | $430 | $1,404 |
| 2021 GMC Sierra | $270 | $512 | $442 | $1,382 |
| 2020 GMC Sierra | $260 | $474 | $452 | $1,344 |
| 2019 GMC Sierra | $250 | $446 | $456 | $1,310 |
| 2018 GMC Sierra | $240 | $400 | $460 | $1,258 |
| 2017 GMC Sierra | $224 | $368 | $460 | $1,210 |
| 2013 GMC Sierra | $190 | $272 | $478 | $1,098 |
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 the Best Cheap GMC Sierra Insurance
Saving money on car insurance takes avoiding accidents and violations, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to shop around every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a quick review of the ideas that were raised in the charts and tables above.
- Teenagers pay higher rates, costing as high as $392 per month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,410 more every year for car insurance
- Increasing deductibles could save as much as $400 each year
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,702 |
| 20 | $2,788 |
| 30 | $1,246 |
| 40 | $1,210 |
| 50 | $1,108 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,470 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,076 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,210 |
| 50/100 | $1,386 |
| 100/300 | $1,501 |
| 250/500 | $1,800 |
| 100 CSL | $1,432 |
| 300 CSL | $1,685 |
| 500 CSL | $1,869 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,668 |
| 20 | $4,442 |
| 30 | $2,658 |
| 40 | $2,618 |
| 50 | $2,502 |
| 60 | $2,480 |
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 | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $498 |
Discounts are estimated and may not be available from every company or in every state.
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