GMC Sierra Insurance Rates

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

Average premium for full coverage: $1,210

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Sierra models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The ranges above demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below details estimated GMC Sierra insurance rates for other coverage scenarios.

• The best discount rate is $712
• Using higher $1,000 deductibles will save approximately $134 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,210
• Using low deductibles for physical damage coverage will cost an extra $260 every year
• Drivers who are prone to accidents and violations could pay up to $2,618 or more
• The price for full coverage for a teen driver can cost as much as $4,702 or more

View Chart as Image

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

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age

The state you live in has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,640 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could cut prices by as much as $400 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted 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 the Best GMC Sierra Insurance

Getting lower rates on car insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief recap of the information touched on above.

• You may be able to save approximately $140 per year simply by quoting online in advance
• Drivers age 16 to 20 are the costliest to insure, costing up to $392 a month if they have full coverage
• Increasing physical damage deductibles can save around $400 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,410 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay an extra $510 every year to increase from a low limit to 250/500 limits