GMC Sierra Insurance Rates

The average insurance prices for a GMC Sierra are $1,258 every 12 months including full coverage. Comprehensive insurance costs around $240 each year, collision costs $400, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,720 or more. Teenage drivers cost the most to insure at $4,852 a year or more.

Average premium for full coverage: $1,258

Policy rates for type of insurance:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

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

The examples above highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $736
• Raising to $1,000 deductibles will save about $146 every year
• The average price for a good driver age 40 using $500 deductibles is $1,258
• Using low deductibles costs an extra $280 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,720 or more
• Policy cost to insure a teen driver can be $4,852

View Chart as Image

Insurance rates for a GMC Sierra also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $430 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on GMC Sierra insurance rates. A middle-age driver might find rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Shop for Affordable GMC Sierra Insurance

Finding cheaper rates on GMC Sierra insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief review of the ideas that were touched on in this article.

• Teenage drivers are charged the highest rates, with premiums being up to $404 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,460 more every year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• You may be able to save up to $150 per year simply by quoting online in advance