GMC Sierra Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 6, 2024
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Estimated insurance rates for a GMC Sierra are $1,258 a year for full coverage insurance. Comprehensive insurance costs an estimated $240 a year, collision insurance costs $400, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,720 or more. 16-year-old drivers pay the most at up to $4,852 a year.
Average premium for full coverage: $1,258
Premium estimates broken down by type of coverage:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Sierra trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a GMC Sierra range from as low as $510 for liability-only coverage to a high of $2,720 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how your location can change insurance prices.
These rate differences illustrate why it is important to compare rates for a targeted area and risk profile, rather than relying on 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 Charts and Tables
The chart below illustrates 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 $1,112 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,258
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $280 a year
- High risk drivers with multiple tickets or accidents could pay up to $2,720
- An auto insurance policy for full coverage for a teen driver can cost as much as $4,852 a year
Insurance prices for a GMC Sierra also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 per year 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 at least $4,800 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 $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,700 on average in Florida, 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% |
Opting for high physical damage deductibles could save up to $430 each year, while buying higher liability limits will increase premiums. Switching 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 are probably paying $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 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 Cheaper GMC Sierra Insurance
Finding better rates on GMC Sierra insurance not only requires not taking risks behind the wheel, but also having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a condensed summary of the car insurance concepts illustrated above.
- High-risk drivers with multiple at-fault accidents pay on average $1,460 more annually for Sierra insurance
- It is possible to save approximately $150 per year just by quoting early and online
- Increasing policy deductibles can save around $425 each year
- Drivers who want higher liability limits will pay around $510 annually to go 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.
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