GMC Sierra Insurance Rates

Estimated insurance rates for a GMC Sierra are $1,210 a year for full coverage insurance. Comprehensive costs an estimated $224, collision costs $368, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,618. Teens pay the most at $4,702 a year or more.

Average premium for full coverage: $1,210

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Sierra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

These rate differences illustrate why everyone should compare rates quotes for a targeted area, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated GMC Sierra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $712
• Raising to $1,000 deductibles will save approximately $134 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,210
• Selecting pricier low deductibles bumps up the cost to $1,470
• At-risk drivers with serious driving violations could pay up to $2,618 or more
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,702

View Chart as Image

Auto insurance prices for a GMC Sierra also have a wide range based on the model of your Sierra, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 in extra premium annually, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra insurance prices. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,640 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $400 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap GMC Sierra Insurance

Finding better rates on car insurance consists of being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the data presented in the illustrations above.

• Policyholders who want more liability protection will pay approximately $510 annually to raise from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $400 each year
• Youthful drivers are the costliest to insure, with premiums being up to $392 per month if the policy includes full coverage