GMC Sierra Insurance Rates

Average insurance rates for a GMC Sierra are $1,210 a year for full coverage insurance. Comprehensive costs an estimated $224, collision insurance costs $368, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,618. Teenage drivers receive the highest rates at up to $4,702 a year.

Average premium for full coverage: $1,210

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Sierra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average GMC Sierra insurance rates for other coverage scenarios.

• The best discount rate is $712
• Using higher $1,000 deductibles will save approximately $134 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,210
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,470
• High-risk insureds who are prone to accidents and violations could pay up to $2,618
• The cost that insures a 16-year-old driver with full coverage can cost as much as $4,702 or more

View Chart as Image

Insurance rates for a GMC Sierra can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,640 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $400 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

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 Cheaper GMC Sierra Insurance

Saving money on insurance for a GMC Sierra requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a condensed summary of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are expensive to insure, costing up to $392 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,410 more annually to insure a GMC Sierra
• Increasing deductibles can save approximately $400 each year
• It is possible to save approximately $140 per year just by shopping early and online