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...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
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Average insurance prices for a GMC Sierra are $1,258 every 12 months including full coverage. Comprehensive insurance costs an estimated $240 each year, collision insurance costs $400, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $2,720 or more. 16-year-old drivers receive the highest rates at up to $4,852 a year.
Average premium for full coverage: $1,258
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and 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 just liability insurance to a high rate of $2,720 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.
These examples highlight why all drivers should compare rates for a targeted area and their own driving history, rather than using rate averages.
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 Details
The chart below breaks down average GMC Sierra insurance rates for other coverage scenarios.
- The best full coverage rate is $736
- Drivers who choose higher $1,000 deductibles will pay approximately $146 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,258
- Buying low deductibles for comprehensive and collision insurance costs an extra $280 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,720
- The cost to insure a teenage driver can cost as much as $4,852 a year
Insurance rates for a GMC Sierra can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could save up to $430 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.
| 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% |
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 Shop for the Right GMC Sierra Insurance
Saving money on auto insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following list is a quick rundown of the primary concepts that were raised in the charts and tables above.
- You may be able to save approximately $150 per year just by quoting online in advance
- Drivers with reckless driving or DUI convictions may have to pay on average $1,460 more annually than a safer driver
- Increasing deductibles could save as much as $425 each year
- Drivers age 16 to 20 are expensive to insure, as much as $404 per month if full coverage is included
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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