GMC Sierra Insurance Rates
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Michelle Robbins
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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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Estimated insurance rates for a GMC Sierra are $1,210 a year with full coverage. Comprehensive costs on average $224 each year, collision insurance costs $368, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,618. Teens pay the most at up to $4,702 a year.
Average premium for full coverage: $1,210
Premium estimates by type of coverage:
These estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Sierra models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a GMC Sierra range from the low end price of $510 for just the minimum liability insurance to a high rate of $2,618 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why all drivers should get quotes based on a specific location, rather than relying on 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 Analysis
The chart below details average GMC Sierra insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $712
- Choosing higher $1,000 deductibles can save around $134 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,210
- Selecting low deductibles for comp and collision coverage bumps up the cost to $1,470
- High-risk insureds with serious driving violations could pay upwards of $2,618
- An auto insurance policy that insures a teen driver may cost $4,702 each year
Insurance prices for a GMC Sierra also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually 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 can expect to pay upwards of $4,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,640 on average in Florida, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $400 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
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 Find Cheap GMC Sierra Insurance
Finding better rates on GMC Sierra insurance takes having a good driving record, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare rates once a year by getting rate quotes from direct companies, and also from several local insurance agents.
The next list is a brief summary of the data that was raised in the charts and tables above.
- You may be able to save as much as $140 per year just by quoting online in advance
- Drivers who require increased levels of liability coverage will pay approximately $510 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
- Drivers age 20 and younger pay the highest prices, possibly costing $392 per month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations pay on average $1,410 more each year to buy GMC Sierra insurance
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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