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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U.S. average insurance rates for a GMC Sierra are $1,258 a year for full coverage insurance. Comprehensive costs an estimated $240, collision insurance costs $400, and liability insurance is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,720. 16-year-old drivers pay the highest rates at up to $4,852 a year.
Average premium for full coverage: $1,258
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Sierra models.
Price Range from Low to High
For a driver around age 40, GMC Sierra insurance prices range from the low end price of $510 for liability-only coverage to the much higher price of $2,720 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area, rather than relying on 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.
Additional Charts and Tables
The chart below illustrates average GMC Sierra insurance rates for other coverage scenarios.
- The best full coverage rate is $736
- Raising to $1,000 deductibles will save approximately $146 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,258
- Buying pricier low deductibles bumps up the cost to $1,538
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,720
- The price that insures a teen driver for full coverage can cost as much as $4,852
Insurance prices for a GMC Sierra are also quite variable based on the model of your Sierra, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 additional each year, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age
The state you live in also has a big influence on GMC Sierra insurance rates. A middle-age driver might find prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,700 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $430 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Cheap GMC Sierra Insurance
Getting lower rates on GMC Sierra insurance consists of being a good driver, having a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following list is a quick review of the primary concepts that were covered above.
- It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,460 more annually than a safer driver
- Increasing physical damage deductibles can save approximately $425 each year
- Drivers age 16 to 20 are expensive to insure, as much as $404 a month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,538 |
| $250 | $1,408 |
| $500 | $1,258 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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