GMC Sierra Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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 including full coverage. Comprehensive costs on average $240 a year, collision insurance costs $400, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,720. 16-year-old drivers pay the most at up to $4,852 a year.
Average premium for full coverage: $1,258
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Sierra trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a GMC Sierra range from as low as $510 for minimum levels of liability insurance to a high of $2,720 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.
These rate differences highlight why it is important to compare rates quotes based on a specific location and risk profile, instead of 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.
Additional Rate Details
The chart below breaks down average GMC Sierra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $736
- Raising to $1,000 deductibles will save around $1,112 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,258
- Buying low $100 deductibles will increase the cost to $1,538
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,720
- An auto insurance policy for full coverage for a teen driver may cost $4,852
Auto insurance prices for a GMC Sierra also have a wide range based on your driving characteristics, the model of your Sierra, and policy deductibles and limits.
Older drivers with a good driving record 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 will have to pay upwards of $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 $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,800 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $430 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates
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 Find Cheap GMC Sierra Insurance
Finding better rates on car insurance consists of being safe and accident-free, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,460 more each year than a low-risk driver
- You may be able to save as much as $150 per year just by quoting early and online
- Increasing policy deductibles can save around $425 each year
- Policyholders who require more liability protection will pay around $510 per year to raise from 30/60 bodily injury limits to 250/500 limits
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
