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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U.S. average insurance rates for a GMC Sierra are $1,258 a year including full coverage. Comprehensive insurance costs around $240, collision insurance costs $400, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,720 or more. Teenage drivers pay the highest rates at up to $4,852 a year.
Average premium for full coverage: $1,258
Price estimates for individual coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Sierra models.
Price Range from Low to High
For the average 40-year-old driver, GMC Sierra insurance prices range from as low as $510 for your basic liability-only policy to the much higher price of $2,720 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.
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.
More Rate Information
The chart below breaks down average GMC Sierra insurance rates for additional coverage choices and driver risks.
- The best discount rate is $736
- Raising to $1,000 deductibles will save about $146 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,258
- Using pricier low deductibles will cost an extra $280 annually
- Drivers who are prone to accidents and violations could pay at least $2,720
- The price for full coverage for a 16-year-old driver for full coverage can be $4,852
Auto insurance prices for a GMC Sierra are also quite variable based on your driving record, the model of your Sierra, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age
The state you live in also has a big influence on GMC Sierra insurance prices. A middle-age driver might find prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,138 | -$120 | -9.5% |
| Alaska | $966 | -$292 | -23.2% |
| Arizona | $1,044 | -$214 | -17.0% |
| Arkansas | $1,258 | -$0 | 0.0% |
| California | $1,432 | $174 | 13.8% |
| Colorado | $1,202 | -$56 | -4.5% |
| Connecticut | $1,294 | $36 | 2.9% |
| Delaware | $1,424 | $166 | 13.2% |
| Florida | $1,572 | $314 | 25.0% |
| Georgia | $1,160 | -$98 | -7.8% |
| Hawaii | $904 | -$354 | -28.1% |
| Idaho | $852 | -$406 | -32.3% |
| Illinois | $936 | -$322 | -25.6% |
| Indiana | $946 | -$312 | -24.8% |
| Iowa | $848 | -$410 | -32.6% |
| Kansas | $1,196 | -$62 | -4.9% |
| Kentucky | $1,716 | $458 | 36.4% |
| Louisiana | $1,862 | $604 | 48.0% |
| Maine | $778 | -$480 | -38.2% |
| Maryland | $1,038 | -$220 | -17.5% |
| Massachusetts | $1,008 | -$250 | -19.9% |
| Michigan | $2,186 | $928 | 73.8% |
| Minnesota | $1,054 | -$204 | -16.2% |
| Mississippi | $1,506 | $248 | 19.7% |
| Missouri | $1,116 | -$142 | -11.3% |
| Montana | $1,350 | $92 | 7.3% |
| Nebraska | $992 | -$266 | -21.1% |
| Nevada | $1,508 | $250 | 19.9% |
| New Hampshire | $906 | -$352 | -28.0% |
| New Jersey | $1,408 | $150 | 11.9% |
| New Mexico | $1,114 | -$144 | -11.4% |
| New York | $1,326 | $68 | 5.4% |
| North Carolina | $724 | -$534 | -42.4% |
| North Dakota | $1,030 | -$228 | -18.1% |
| Ohio | $870 | -$388 | -30.8% |
| Oklahoma | $1,294 | $36 | 2.9% |
| Oregon | $1,154 | -$104 | -8.3% |
| Pennsylvania | $1,200 | -$58 | -4.6% |
| Rhode Island | $1,678 | $420 | 33.4% |
| South Carolina | $1,138 | -$120 | -9.5% |
| South Dakota | $1,062 | -$196 | -15.6% |
| Tennessee | $1,102 | -$156 | -12.4% |
| Texas | $1,516 | $258 | 20.5% |
| Utah | $930 | -$328 | -26.1% |
| Vermont | $862 | -$396 | -31.5% |
| Virginia | $754 | -$504 | -40.1% |
| Washington | $974 | -$284 | -22.6% |
| West Virginia | $1,154 | -$104 | -8.3% |
| Wisconsin | $872 | -$386 | -30.7% |
| Wyoming | $1,120 | -$138 | -11.0% |
Using high physical damage deductibles can reduce prices by up to $430 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra SLE Regular Cab 2WD | $1,166 | $97 |
| GMC Sierra SL Extended Cab 2WD | $1,196 | $100 |
| GMC Sierra SLE Crew Cab 2WD | $1,196 | $100 |
| GMC Sierra SL Crew Cab 2WD | $1,228 | $102 |
| GMC Sierra SLE Crew Cab 2WD | $1,228 | $102 |
| GMC Sierra SLE Extended Cab 4WD | $1,228 | $102 |
| GMC Sierra SLE Regular Cab 4WD | $1,228 | $102 |
| GMC Sierra SLT Extended Cab 2WD | $1,258 | $105 |
| GMC Sierra SL Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra SLE Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra SLT Crew Cab 2WD | $1,288 | $107 |
| GMC Sierra SLT Extended Cab 4WD | $1,288 | $107 |
| GMC Sierra Denali Crew Cab 2WD | $1,318 | $110 |
| GMC Sierra SLT Crew Cab 4WD | $1,318 | $110 |
| GMC Sierra Denali Crew Cab 4WD | $1,350 | $113 |
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 | $320 | $570 | $390 | $1,438 |
| 2023 GMC Sierra | $306 | $566 | $398 | $1,428 |
| 2022 GMC Sierra | $296 | $552 | $416 | $1,422 |
| 2021 GMC Sierra | $286 | $530 | $430 | $1,404 |
| 2020 GMC Sierra | $270 | $512 | $442 | $1,382 |
| 2019 GMC Sierra | $260 | $474 | $452 | $1,344 |
| 2018 GMC Sierra | $250 | $446 | $456 | $1,310 |
| 2017 GMC Sierra | $240 | $400 | $460 | $1,258 |
| 2013 GMC Sierra | $194 | $300 | $474 | $1,126 |
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 the Right GMC Sierra Insurance
Getting lower rates on insurance for a GMC Sierra consists of avoiding accidents and claims, having good credit, being claim-free, and possibly raising deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a quick rundown of the ideas that were touched on in this article.
- Drivers under the age of 20 are expensive to insure, possibly costing $404 a month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,460 more every year to insure a GMC Sierra
- Increasing physical damage deductibles can save around $425 each year
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,852 |
| 20 | $2,896 |
| 30 | $1,298 |
| 40 | $1,258 |
| 50 | $1,150 |
| 60 | $1,128 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,538 |
| $250 | $1,408 |
| $500 | $1,258 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,258 |
| 50/100 | $1,442 |
| 100/300 | $1,557 |
| 250/500 | $1,856 |
| 100 CSL | $1,488 |
| 300 CSL | $1,741 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,890 |
| 20 | $4,618 |
| 30 | $2,766 |
| 40 | $2,720 |
| 50 | $2,602 |
| 60 | $2,578 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $88 |
| Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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