GMC Sierra Insurance Rates

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

2013 GMC Sierra 1500 Insurance Rates in 2025 – 8 Tips for Best Quotes

Searching for the cheapest insurance rates for your GMC Sierra 1500? Tired of not being able to scrape enough together to buy insurance? You have the same problem as most other consumers. Many insurers vie for your business, so it's not easy to compare every insurer and get the best coverage at the best price available. If you have car insurance now, you stand a good chance to be able to save some...

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

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.

The average insurance rates for a GMC Sierra are $1,258 a year with full coverage. Comprehensive insurance costs around $240 each year, collision insurance costs $400, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,720 or more. Teen drivers cost the most to insure at up to $4,852 a year.

Average premium for full coverage: $1,258

Policy rates for type of insurance:

Comprehensive $240
Collision $400
Liability $460

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sierra models.

Price Range Variability

Using a 40-year-old driver as an example, GMC Sierra insurance rates range from the low end price of $510 for basic liability insurance to a high rate of $2,720 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

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

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on 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.

Rate Comparisons

The chart below details average 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 estimated price for a good driver age 40 using $500 deductibles is $1,258
  • Choosing low deductibles will cost an additional $280 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,720
  • Policy cost that insures a 16-year-old driver can be $4,852

View Chart as Image

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

Car insurance rates for a GMC Sierra also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra insurance prices. A middle-age driver might find rates 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 rates by up to $430 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Right GMC Sierra Insurance

Finding cheaper rates on insurance for a GMC Sierra consists of being safe and accident-free, having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around every year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save up to $150 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $425 each year
  • Youthful drivers are the costliest to insure, as much as $404 each month if full coverage is purchased
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,460 more every year than a low-risk driver

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

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles