GMC Sierra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a GMC Sierra are $1,258 a year for full coverage. Comprehensive insurance costs approximately $240, collision costs $400, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,720 or more. 16-year-old drivers cost the most to insure at $4,852 a year or more.

Average premium for full coverage: $1,258

Policy rates by type of insurance:

Comprehensive $240
Collision $400
Liability $460

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Sierra models.

Price Range Variability

For the average driver, GMC Sierra insurance rates go from the low end price of $510 for just liability coverage to the much higher price of $2,720 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,258
High Risk $2,720

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

The examples above show why everyone should compare rates using their specific location, instead of using rate averages.

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.

Detailed Rate Analysis

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

  • The best full coverage rate is $736
  • Drivers who choose higher $1,000 deductibles will pay $146 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,258
  • Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $280 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,720 or more
  • Policy cost that insures a teen driver for full coverage can cost $4,852 a year

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing full coverage GMC Sierra insurance prices range from $736 to $4,852

Auto insurance rates for a GMC Sierra also range considerably based on the model of your Sierra, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. GMC Sierra insurance for high-risk drivers can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,800 on average in New York, Louisiana, and Michigan.

GMC Sierra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,138 -$120 -9.5%
Alaska $966 -$292 -23.2%
Arizona $1,044 -$214 -17.0%
Arkansas $1,258 -$0 0.0%
California $1,432 $174 13.8%
Colorado $1,202 -$56 -4.5%
Connecticut $1,294 $36 2.9%
Delaware $1,424 $166 13.2%
Florida $1,572 $314 25.0%
Georgia $1,160 -$98 -7.8%
Hawaii $904 -$354 -28.1%
Idaho $852 -$406 -32.3%
Illinois $936 -$322 -25.6%
Indiana $946 -$312 -24.8%
Iowa $848 -$410 -32.6%
Kansas $1,196 -$62 -4.9%
Kentucky $1,716 $458 36.4%
Louisiana $1,862 $604 48.0%
Maine $778 -$480 -38.2%
Maryland $1,038 -$220 -17.5%
Massachusetts $1,008 -$250 -19.9%
Michigan $2,186 $928 73.8%
Minnesota $1,054 -$204 -16.2%
Mississippi $1,506 $248 19.7%
Missouri $1,116 -$142 -11.3%
Montana $1,350 $92 7.3%
Nebraska $992 -$266 -21.1%
Nevada $1,508 $250 19.9%
New Hampshire $906 -$352 -28.0%
New Jersey $1,408 $150 11.9%
New Mexico $1,114 -$144 -11.4%
New York $1,326 $68 5.4%
North Carolina $724 -$534 -42.4%
North Dakota $1,030 -$228 -18.1%
Ohio $870 -$388 -30.8%
Oklahoma $1,294 $36 2.9%
Oregon $1,154 -$104 -8.3%
Pennsylvania $1,200 -$58 -4.6%
Rhode Island $1,678 $420 33.4%
South Carolina $1,138 -$120 -9.5%
South Dakota $1,062 -$196 -15.6%
Tennessee $1,102 -$156 -12.4%
Texas $1,516 $258 20.5%
Utah $930 -$328 -26.1%
Vermont $862 -$396 -31.5%
Virginia $754 -$504 -40.1%
Washington $974 -$284 -22.6%
West Virginia $1,154 -$104 -8.3%
Wisconsin $872 -$386 -30.7%
Wyoming $1,120 -$138 -11.0%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $430 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

GMC Sierra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Sierra SLE Regular Cab 2WD $1,166 $97
GMC Sierra SL Extended Cab 2WD $1,196 $100
GMC Sierra SLE Crew Cab 2WD $1,196 $100
GMC Sierra SL Crew Cab 2WD $1,228 $102
GMC Sierra SLE Crew Cab 2WD $1,228 $102
GMC Sierra SLE Extended Cab 4WD $1,228 $102
GMC Sierra SLE Regular Cab 4WD $1,228 $102
GMC Sierra SLT Extended Cab 2WD $1,258 $105
GMC Sierra SL Crew Cab 4WD $1,258 $105
GMC Sierra SLE Crew Cab 4WD $1,258 $105
GMC Sierra SLT Crew Cab 2WD $1,288 $107
GMC Sierra SLT Extended Cab 4WD $1,288 $107
GMC Sierra Denali Crew Cab 2WD $1,318 $110
GMC Sierra SLT Crew Cab 4WD $1,318 $110
GMC Sierra Denali Crew Cab 4WD $1,350 $113

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.

GMC Sierra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Sierra $320 $570 $390 $1,438
2023 GMC Sierra $306 $566 $398 $1,428
2022 GMC Sierra $296 $552 $416 $1,422
2021 GMC Sierra $286 $530 $430 $1,404
2020 GMC Sierra $270 $512 $442 $1,382
2019 GMC Sierra $260 $474 $452 $1,344
2018 GMC Sierra $250 $446 $456 $1,310
2017 GMC Sierra $240 $400 $460 $1,258
2013 GMC Sierra $194 $300 $474 $1,126

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 Find Low Cost GMC Sierra Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

Below is a review of the data that was touched on above.

  • Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
  • Policyholders who purchase higher levels of liability will pay around $510 each year to go from a 30/60 limit to the 250/500 level
  • Teenage drivers have the highest car insurance rates, costing up to $404 each month if the policy includes full coverage
  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,460 more per year for auto insurance

Rates by Driver Age

GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $4,852
20 $2,896
30 $1,298
40 $1,258
50 $1,150
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,538
$250 $1,408
$500 $1,258
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,258
50/100 $1,442
100/300 $1,557
250/500 $1,856
100 CSL $1,488
300 CSL $1,741
500 CSL $1,925

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $6,890
20 $4,618
30 $2,766
40 $2,720
50 $2,602
60 $2,578

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.

SR-22 Surcharge $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $81
Paid in Full/EFT $53
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles