GMC Sierra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a GMC Sierra are $1,258 a year with full coverage. Comprehensive costs around $240, collision costs $400, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,720. Teen drivers pay the most at $4,852 a year or more.

Average premium for full coverage: $1,258

Premium estimates for type of coverage:

Comprehensive $240
Collision $400
Liability $460

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Sierra models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a GMC Sierra go from as low as $510 for a discount liability-only rate to the much higher price of $2,720 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,258
High Risk $2,720

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using price 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.

Rates by State, City, and Model

The chart below details estimated GMC Sierra insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $736
  • Raising to $1,000 deductibles will save about $146 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,258
  • Choosing pricier low deductibles will increase the cost to $1,538
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $2,720 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $4,852

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing full coverage GMC Sierra insurance rates range from $736 to $4,852

Insurance prices for a GMC Sierra also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $4,800 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 $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.

GMC Sierra Insurance Rates by State
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%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $430 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional annually, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

GMC Sierra Insurance Rates by Model and Trim Level
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.

GMC Sierra Insurance Rates by Model Year
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 More Affordable GMC Sierra Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a summary of the concepts that were touched on in this article.

  • Higher risk drivers who have multiple accidents or major violations pay an average of $1,460 more every year to insure a GMC Sierra
  • Drivers under the age of 20 are charged the highest prices, possibly costing $404 per month including comprehensive and collision insurance
  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $425 each year
  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

GMC Sierra Insurance 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

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,538
$250 $1,408
$500 $1,258
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
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

GMC Sierra Insurance 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.

SR-22 Surcharge $174

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
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles