GMC Sierra Insurance Rates

U.S. average insurance rates for a GMC Sierra are $1,210 a year for full coverage insurance. Comprehensive costs approximately $224, collision costs $368, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,618. Teenage drivers pay the highest rates at $4,702 a year or more.

Average premium for full coverage: $1,210

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Sierra models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below illustrates estimated GMC Sierra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $712
• Choosing higher $1,000 deductibles can save $134 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,210
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,470
• Drivers who are prone to accidents and violations could pay around $2,618 or more
• The price for full coverage for a teenage driver for full coverage can cost $4,702 each year

View Chart as Image

Insurance prices for a GMC Sierra are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay 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 can save as much as $400 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 additional each year, depending on your age. GMC Sierra insurance for high-risk drivers ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Affordable GMC Sierra Insurance

Getting lower rates on auto insurance takes having a good driving record, having a good credit history, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief review of the coverage data touched on above.

• It is possible to save around $140 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $400 each year
• Drivers age 20 and younger are the costliest to insure, as much as $392 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,410 more per year to buy GMC Sierra insurance