GMC Sierra Insurance Rates
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UPDATED: Jun 6, 2024
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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:
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.
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.
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
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.
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 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
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 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
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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