GMC Sierra Insurance Rates
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UPDATED: Jun 6, 2024
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Average insurance rates for a GMC Sierra are $1,310 a year including full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $446, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $2,842 or more. Teenage drivers receive the highest rates at up to $5,026 a year.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Sierra trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $508 for just liability insurance to a high of $2,842 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area, instead of using 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.
More Rate Details
The chart below breaks down average GMC Sierra insurance rates for other coverage scenarios.
- The best discount rate is $760
- Raising to $1,000 deductibles will save approximately $1,152 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
- Using low $100 deductibles will cost an additional $308 every year
- At-risk drivers who are prone to accidents and violations could pay up to $2,842
- The cost that insures a teen driver can cost as much as $5,026
Car insurance rates for a GMC Sierra can also vary considerably based on the trim level of your Sierra, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age
Where you live also has a big influence on GMC Sierra insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.
| 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% |
Using high physical damage deductibles can reduce rates by up to $470 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every 12 months. 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 | $1,208 | $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 Find the Cheapest GMC Sierra Insurance
Saving money on car insurance consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare prices every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The points below are a recap of the material that was raised in the charts and tables above.
- Policyholders who want increased liability limits will pay an extra $500 per year to raise from a minimum limit to the 250/500 level
- Drivers under the age of 20 have the highest car insurance rates, as much as $419 per month if full coverage is purchased
- Higher risk drivers that have major violations or accidents could be charged and average of $1,530 more annually to insure a GMC Sierra
- Increasing deductibles can save approximately $475 each year
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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