GMC Sierra Insurance Rates

The average insurance rates for a GMC Sierra are $1,258 a year for full coverage insurance. Comprehensive insurance costs around $240 a year, collision costs $400, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance 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:

These estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Sierra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $736
• Using higher $1,000 deductibles will save about $1,112 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,258
• Using low $100 deductibles for physical damage coverage will cost an extra $280 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,720 or more
• Policy cost for full coverage for a 16-year-old driver can be $4,852 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $430 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied 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 Cheap GMC Sierra Insurance

Finding cheaper rates on insurance for a GMC Sierra requires not taking risks behind the wheel, having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the material that was touched on above.

• Insureds who may need higher liability limits will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, possibly costing $404 each month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,460 more every year for Sierra insurance
• Increasing comprehensive and collision deductibles can save around $425 each year