GMC Sierra Insurance Rates

Estimated insurance rates for a GMC Sierra are $1,210 a year for full coverage. Comprehensive insurance costs approximately $224, collision costs $368, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,618 or more. 16-year-old drivers pay the most at $4,702 a year or more.

Average premium for full coverage: $1,210

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Sierra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates using their specific location, rather than using rate averages.

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

Additional Charts and Tables

The chart below shows estimated GMC Sierra insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $712
• Drivers who choose higher $1,000 deductibles will pay $134 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,210
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $260 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,618 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $4,702 a year

View Chart as Image

Auto insurance prices for a GMC Sierra also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost around 43% to 129% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $400 a year, while increasing your policy's liability limits will push prices upward. Going 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 know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, 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 Low Cost GMC Sierra Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop at least every other year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The items below are a review of the car insurance concepts touched on above.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,410 more per year to insure their Sierra
• Drivers can save around $140 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $400 each year
• Consumers who purchase more liability coverage will pay around $510 each year to go from 30/60 bodily injury limits to the 250/500 level