GMC Sierra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
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The average insurance prices for a GMC Sierra are $1,210 every 12 months for full coverage. Comprehensive costs around $224, collision costs $368, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,618. Teens cost the most to insure at $4,702 a year or more.
Average premium for full coverage: $1,210
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Sierra models.
Price Range Variability
For a driver around age 40, GMC Sierra insurance rates go from the cheapest price of $510 for basic liability insurance to the much higher price of $2,618 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above show why everyone should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated GMC Sierra insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $712
- Raising to $1,000 deductibles will save about $134 a year
- The average price for a good driver age 40 using $500 deductibles is $1,210
- Selecting pricier low deductibles increases the price to $1,470
- Drivers with serious driving violations could pay at least $2,618 or more
- Policy cost to insure a 16-year-old driver for full coverage can be $4,702
Insurance rates for a GMC Sierra also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 annually, whereas buying more liability protection will increase rates. Going 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
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,400 to $2,000 additional every year, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on GMC Sierra insurance prices. A middle-age driver might find rates as low as $800 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,730 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$116 | -9.6% |
| Alaska | $928 | -$282 | -23.3% |
| Arizona | $1,006 | -$204 | -16.9% |
| Arkansas | $1,210 | -$0 | 0.0% |
| California | $1,378 | $168 | 13.9% |
| Colorado | $1,158 | -$52 | -4.3% |
| Connecticut | $1,244 | $34 | 2.8% |
| Delaware | $1,368 | $158 | 13.1% |
| Florida | $1,514 | $304 | 25.1% |
| Georgia | $1,116 | -$94 | -7.8% |
| Hawaii | $868 | -$342 | -28.3% |
| Idaho | $820 | -$390 | -32.2% |
| Illinois | $900 | -$310 | -25.6% |
| Indiana | $910 | -$300 | -24.8% |
| Iowa | $814 | -$396 | -32.7% |
| Kansas | $1,150 | -$60 | -5.0% |
| Kentucky | $1,650 | $440 | 36.4% |
| Louisiana | $1,790 | $580 | 47.9% |
| Maine | $748 | -$462 | -38.2% |
| Maryland | $998 | -$212 | -17.5% |
| Massachusetts | $968 | -$242 | -20.0% |
| Michigan | $2,102 | $892 | 73.7% |
| Minnesota | $1,014 | -$196 | -16.2% |
| Mississippi | $1,450 | $240 | 19.8% |
| Missouri | $1,072 | -$138 | -11.4% |
| Montana | $1,300 | $90 | 7.4% |
| Nebraska | $954 | -$256 | -21.2% |
| Nevada | $1,452 | $242 | 20.0% |
| New Hampshire | $874 | -$336 | -27.8% |
| New Jersey | $1,354 | $144 | 11.9% |
| New Mexico | $1,072 | -$138 | -11.4% |
| New York | $1,276 | $66 | 5.5% |
| North Carolina | $696 | -$514 | -42.5% |
| North Dakota | $990 | -$220 | -18.2% |
| Ohio | $836 | -$374 | -30.9% |
| Oklahoma | $1,244 | $34 | 2.8% |
| Oregon | $1,108 | -$102 | -8.4% |
| Pennsylvania | $1,156 | -$54 | -4.5% |
| Rhode Island | $1,616 | $406 | 33.6% |
| South Carolina | $1,096 | -$114 | -9.4% |
| South Dakota | $1,020 | -$190 | -15.7% |
| Tennessee | $1,060 | -$150 | -12.4% |
| Texas | $1,460 | $250 | 20.7% |
| Utah | $896 | -$314 | -26.0% |
| Vermont | $828 | -$382 | -31.6% |
| Virginia | $724 | -$486 | -40.2% |
| Washington | $936 | -$274 | -22.6% |
| West Virginia | $1,108 | -$102 | -8.4% |
| Wisconsin | $836 | -$374 | -30.9% |
| Wyoming | $1,080 | -$130 | -10.7% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra SLE Regular Cab 2WD | $1,124 | $94 |
| GMC Sierra SL Extended Cab 2WD | $1,154 | $96 |
| GMC Sierra SLE Crew Cab 2WD | $1,154 | $96 |
| GMC Sierra SL Crew Cab 2WD | $1,182 | $99 |
| GMC Sierra SLE Crew Cab 2WD | $1,182 | $99 |
| GMC Sierra SLE Extended Cab 4WD | $1,182 | $99 |
| GMC Sierra SLE Regular Cab 4WD | $1,182 | $99 |
| GMC Sierra SLT Extended Cab 2WD | $1,210 | $101 |
| GMC Sierra SL Crew Cab 4WD | $1,210 | $101 |
| GMC Sierra SLE Crew Cab 4WD | $1,210 | $101 |
| GMC Sierra SLT Crew Cab 2WD | $1,238 | $103 |
| GMC Sierra SLT Extended Cab 4WD | $1,238 | $103 |
| GMC Sierra Denali Crew Cab 2WD | $1,268 | $106 |
| GMC Sierra SLT Crew Cab 4WD | $1,268 | $106 |
| GMC Sierra Denali Crew Cab 4WD | $1,294 | $108 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra | $306 | $566 | $398 | $1,428 |
| 2023 GMC Sierra | $296 | $552 | $416 | $1,422 |
| 2022 GMC Sierra | $286 | $530 | $430 | $1,404 |
| 2021 GMC Sierra | $270 | $512 | $442 | $1,382 |
| 2020 GMC Sierra | $260 | $474 | $452 | $1,344 |
| 2019 GMC Sierra | $250 | $446 | $456 | $1,310 |
| 2018 GMC Sierra | $240 | $400 | $460 | $1,258 |
| 2017 GMC Sierra | $224 | $368 | $460 | $1,210 |
| 2013 GMC Sierra | $190 | $272 | $478 | $1,098 |
Rates are averaged for all GMC Sierra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable GMC Sierra Insurance
Finding cheaper rates on insurance for a GMC Sierra consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The following list is a brief review of the primary concepts that were covered above.
- Drivers can save up to $140 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,410 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- Drivers age 16 to 20 are charged the highest rates, costing up to $392 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,702 |
| 20 | $2,788 |
| 30 | $1,246 |
| 40 | $1,210 |
| 50 | $1,108 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,470 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,076 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,210 |
| 50/100 | $1,386 |
| 100/300 | $1,501 |
| 250/500 | $1,800 |
| 100 CSL | $1,432 |
| 300 CSL | $1,685 |
| 500 CSL | $1,869 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,668 |
| 20 | $4,442 |
| 30 | $2,658 |
| 40 | $2,618 |
| 50 | $2,502 |
| 60 | $2,480 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $498 |
Discounts are estimated and may not be available from every company or in every state.
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