GMC Sierra Insurance Rates

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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

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Estimated insurance rates for a GMC Sierra are $1,310 a year including full coverage. Comprehensive insurance costs approximately $250 each year, collision insurance costs $446, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,842 or more. Teens pay the most at up to $5,026 a year.

Average premium for full coverage: $1,310

Premium estimates by type of coverage:

Comprehensive $250
Collision $446
Liability $456

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Sierra models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a GMC Sierra range from as low as $508 for minimum levels of liability insurance to a high rate of $2,842 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,310
High Risk $2,842

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

These rate differences highlight why all drivers should compare prices using their specific location and risk profile, 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.

Additional Rate Details

The chart below breaks down average GMC Sierra insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $760
  • Using higher $1,000 deductibles will save $158 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,310
  • Selecting low deductibles for physical damage coverage will cost an extra $308 annually
  • High-risk insureds with serious driving violations could pay around $2,842
  • An auto insurance policy for full coverage for a 16-year-old driver can cost $5,026 or more

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing GMC Sierra insurance prices range from $760 to $5,026 for full coverage

Insurance prices for a GMC Sierra also have a wide range based on your driving characteristics, the model of your Sierra, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.

GMC Sierra Insurance Rates by State
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%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average policy. View High Risk Driver Rates

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 $1,208 $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.

GMC Sierra Insurance Rates by Model Year
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 Find More Affordable GMC Sierra Insurance

Finding better rates on insurance for a GMC Sierra requires not taking risks behind the wheel, maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a summary of the primary concepts that were touched on in this article.

  • You may be able to save around $160 per year just by quoting online in advance
  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,530 more per year for Sierra insurance
  • Increasing policy deductibles can save around $475 each year
  • Teens are expensive to insure, with the cost nearing $419 per month for full coverage

Rates by Driver Age

GMC Sierra Insurance 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

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,310
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
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

GMC Sierra Insurance 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.

SR-22 Surcharge $183

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
Rate after discounts $760

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

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