GMC Sierra Insurance Rates
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UPDATED: Jun 6, 2024
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Average auto insurance rates for a GMC Sierra are $1,310 annually for full coverage insurance. Comprehensive costs around $250 each year, collision insurance costs $446, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $2,842. Teenage drivers receive the highest rates at up to $5,026 a year.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
Includes $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Sierra models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $508 for basic liability insurance to a high rate of $2,842 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.
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 illustrates average GMC Sierra insurance rates for additional coverage choices and driver risks.
- The best discount rate is $760
- Using higher $1,000 deductibles will save about $158 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,310
- Using low deductibles for physical damage coverage will cost $1,618
- Drivers who are prone to accidents and violations could pay at least $2,842
- The cost with full coverage for a teen driver can be $5,026 or more
Insurance rates for a GMC Sierra can also vary considerably based on the trim level of your Sierra, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $470 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$124 | -9.5% |
| Alaska | $1,006 | -$304 | -23.2% |
| Arizona | $1,088 | -$222 | -16.9% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,494 | $184 | 14.0% |
| Colorado | $1,252 | -$58 | -4.4% |
| Connecticut | $1,346 | $36 | 2.7% |
| Delaware | $1,484 | $174 | 13.3% |
| Florida | $1,640 | $330 | 25.2% |
| Georgia | $1,208 | -$102 | -7.8% |
| Hawaii | $942 | -$368 | -28.1% |
| Idaho | $886 | -$424 | -32.4% |
| Illinois | $976 | -$334 | -25.5% |
| Indiana | $986 | -$324 | -24.7% |
| Iowa | $884 | -$426 | -32.5% |
| Kansas | $1,244 | -$66 | -5.0% |
| Kentucky | $1,788 | $478 | 36.5% |
| Louisiana | $1,940 | $630 | 48.1% |
| Maine | $810 | -$500 | -38.2% |
| Maryland | $1,080 | -$230 | -17.6% |
| Massachusetts | $1,048 | -$262 | -20.0% |
| Michigan | $2,278 | $968 | 73.9% |
| Minnesota | $1,096 | -$214 | -16.3% |
| Mississippi | $1,568 | $258 | 19.7% |
| Missouri | $1,162 | -$148 | -11.3% |
| Montana | $1,408 | $98 | 7.5% |
| Nebraska | $1,032 | -$278 | -21.2% |
| Nevada | $1,572 | $262 | 20.0% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,464 | $154 | 11.8% |
| New Mexico | $1,160 | -$150 | -11.5% |
| New York | $1,380 | $70 | 5.3% |
| North Carolina | $756 | -$554 | -42.3% |
| North Dakota | $1,072 | -$238 | -18.2% |
| Ohio | $904 | -$406 | -31.0% |
| Oklahoma | $1,346 | $36 | 2.7% |
| Oregon | $1,200 | -$110 | -8.4% |
| Pennsylvania | $1,250 | -$60 | -4.6% |
| Rhode Island | $1,748 | $438 | 33.4% |
| South Carolina | $1,186 | -$124 | -9.5% |
| South Dakota | $1,104 | -$206 | -15.7% |
| Tennessee | $1,146 | -$164 | -12.5% |
| Texas | $1,578 | $268 | 20.5% |
| Utah | $970 | -$340 | -26.0% |
| Vermont | $898 | -$412 | -31.5% |
| Virginia | $786 | -$524 | -40.0% |
| Washington | $1,012 | -$298 | -22.7% |
| West Virginia | $1,200 | -$110 | -8.4% |
| Wisconsin | $908 | -$402 | -30.7% |
| Wyoming | $1,168 | -$142 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra SLE Regular Cab 2WD | $1,208 | $101 |
| GMC Sierra SL Extended Cab 2WD | $1,244 | $104 |
| GMC Sierra SLE Crew Cab 2WD | $1,244 | $104 |
| GMC Sierra SL Crew Cab 2WD | $1,278 | $107 |
| GMC Sierra SLE Crew Cab 2WD | $1,278 | $107 |
| GMC Sierra SLE Extended Cab 4WD | $1,278 | $107 |
| GMC Sierra SLE Regular Cab 4WD | $1,278 | $107 |
| GMC Sierra SLT Extended Cab 2WD | $1,310 | $109 |
| GMC Sierra SL Crew Cab 4WD | $1,310 | $109 |
| GMC Sierra SLE Crew Cab 4WD | $1,310 | $109 |
| GMC Sierra SLT Crew Cab 2WD | $1,344 | $112 |
| GMC Sierra SLT Extended Cab 4WD | $1,344 | $112 |
| GMC Sierra Denali Crew Cab 2WD | $1,378 | $115 |
| GMC Sierra SLT Crew Cab 4WD | $1,378 | $115 |
| GMC Sierra Denali Crew Cab 4WD | $1,410 | $118 |
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 | $336 | $594 | $372 | $1,460 |
| 2023 GMC Sierra | $320 | $570 | $390 | $1,438 |
| 2022 GMC Sierra | $306 | $566 | $398 | $1,428 |
| 2021 GMC Sierra | $296 | $552 | $416 | $1,422 |
| 2020 GMC Sierra | $286 | $530 | $430 | $1,404 |
| 2019 GMC Sierra | $270 | $512 | $442 | $1,382 |
| 2018 GMC Sierra | $260 | $474 | $452 | $1,344 |
| 2017 GMC Sierra | $250 | $446 | $456 | $1,310 |
| 2013 GMC Sierra | $210 | $322 | $474 | $1,164 |
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 Buy the Cheapest GMC Sierra Insurance
Saving money on GMC Sierra insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a recap of the data illustrated above.
- Drivers who may need higher levels of liability will pay an extra $500 annually to increase from a minimum limit to higher 250/500 limits
- It is possible to save up to $160 per year just by quoting online in advance
- Increasing deductibles could save up to $475 each year
- Teenage drivers pay higher rates, costing up to $419 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,026 |
| 20 | $3,030 |
| 30 | $1,356 |
| 40 | $1,310 |
| 50 | $1,198 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,618 |
| $250 | $1,474 |
| $500 | $1,310 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,501 |
| 100/300 | $1,615 |
| 250/500 | $1,912 |
| 100 CSL | $1,547 |
| 300 CSL | $1,798 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,150 |
| 20 | $4,828 |
| 30 | $2,890 |
| 40 | $2,842 |
| 50 | $2,716 |
| 60 | $2,692 |
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 | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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