GMC Sierra Insurance Rates
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UPDATED: Dec 1, 2021
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How much is a GMC Sierra 1500 insurance policy? The average GMC Sierra insurance rates are $1,460 a year, or $121 a month.
While the average insurance cost for a 2018 GMC Sierra may be slightly different than a 2016 GMC Sierra cost of insurance, vehicles’ rates shouldn’t vary drastically among model years. Read through our guide to learn how you can secure cheap car insurance rates for your GMC Sierra 1500.
To start saving on GMC Sierra insurance and to receive rates for insurance on GMC vehicles, enter your five-digit ZIP code into our free tool above.
Average insurance rates for a GMC Sierra are $1,310 a year for full coverage. Comprehensive costs on average $250 a year, collision costs $446, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,842. Teen drivers receive the highest rates at $5,026 a year or more.
Average premium for full coverage: $1,310
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sierra trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $508 for only liability insurance to a high of $2,842 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.
Insurance Rate Analysis
The chart below shows estimated GMC Sierra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $760
- Drivers who choose higher $1,000 deductibles will pay around $1,152 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,310
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,618
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,842 or more
- The cost for full coverage for a teen driver may cost $5,026 a year
for a GMC Sierra can also vary considerably based on your driver profile, the trim level of your Sierra, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $470 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
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 2016 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|
|2016 GMC Sierra||$250||$446||$456||$1,310|
|2015 GMC Sierra||$240||$400||$460||$1,258|
|2014 GMC Sierra||$224||$368||$460||$1,210|
|2012 GMC Sierra||$210||$322||$474||$1,164|
|2011 GMC Sierra||$194||$300||$474||$1,126|
|2010 GMC Sierra||$190||$272||$478||$1,098|
|2009 GMC Sierra||$176||$248||$474||$1,056|
|2008 GMC Sierra||$166||$226||$474||$1,024|
|2007 GMC Sierra||$162||$202||$468||$990|
|2006 GMC Sierra||$158||$198||$460||$974|
|2005 GMC Sierra||$156||$188||$452||$954|
|2004 GMC Sierra||$142||$180||$446||$926|
|2003 GMC Sierra||$138||$170||$442||$908|
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 Cheaper GMC Sierra Insurance
Saving money on GMC Sierra insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $475 each year
- Drivers can save as much as $160 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $419 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,530 more each year for insurance
The best way to save on the GMC truck cost of insurance is to shop online for quotes. If you haven’t bought a car yet, you can still shop for quotes to find out the GMC Sierra price range for different model years and trims, such as 2006 versus 2009 GMC Sierra trim levels.
Remember, the age of your model will impact your rates. But by how much for a GMC Sierra? The average insurance cost for a 2018 GMC Sierra will be few hundred dollars higher annually than the 2014 GMC Sierra costs.
If you are ready to start shopping around to find out answers to questions like how much does a 2014 GMC Sierra 1500 cost to insure in my area, or 2018 GMC Sierra costs, enter your ZIP code in our free tool below.
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What are the safety ratings of the GMC Sierra 1500?
It is easier to find cheap insurance for a GMC Sierra 1500 if the GMC Sierra 1500’s safety ratings and features are better than average. The GMC Sierra 1500 does have some great safety features, such as traction control, a blind-spot monitor, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested the 2020 GMC Sierra 1500 pickup. Take a look at the resulting ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating, so the GMC Sierra 1500 did well.
Check to the GMC Sierra 1500 crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.
|2020 GMC Sierra 1500 PU/RC 4WD||4 stars||4 stars||5 stars||4 stars|
|2020 GMC Sierra 1500 PU/RC 2WD||4 stars||4 stars||5 stars||4 stars|
|2020 GMC Sierra 1500 PU/EC 4WD||4 stars||4 stars||5 stars||4 stars|
|2020 GMC Sierra 1500 PU/EC 2WD||4 stars||4 stars||5 stars||4 stars|
|2020 GMC Sierra 1500 PU/CC 4WD||4 stars||4 stars||5 stars||4 stars|
|2020 GMC Sierra 1500 PU/CC 2WD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra Limited 1500 PU/EC RWD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra Limited 1500 PU/EC 4WD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra 1500 PU/RC RWD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra 1500 PU/RC 4WD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra 1500 PU/EC RWD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra 1500 PU/EC 4WD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra 1500 PU/CC RWD||4 stars||4 stars||5 stars||4 stars|
|2019 GMC Sierra 1500 PU/CC 4WD||4 stars||4 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 PU/RC RWD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 PU/RC 4WD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 PU/EC RWD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 PU/EC 4WD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 PU/CC RWD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 PU/CC 4WD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Sierra 1500 Hybrid PU/CC RWD||5 stars||5 stars||5 stars||4 stars|
|2017 GMC Sierra 1500 PU/RC RWD||5 stars||5 stars||5 stars||4 stars|
|2017 GMC Sierra 1500 PU/RC 4WD||5 stars||5 stars||5 stars||4 stars|
|2017 GMC Sierra 1500 PU/EC RWD||5 stars||5 stars||5 stars||4 stars|
|2017 GMC Sierra 1500 PU/EC 4WD||5 stars||5 stars||5 stars||4 stars|
A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Over the years, the GMC Sierra performed well and never scored lower than 4-stars.
GMC Sierra 1500 Compared Against Other Vehicles in the Same Class
The GMC Sierra 1500 is a large pickup, which sometimes can mean higher liability rates, as larger cars can do more damages. Luckily, the IIHS rated the GMC Sierra 1500’s liability losses as average and better than average in comparison to other large pickups.
See the GMC Sierra 1500 insurance loss probability details in the table below.
|Insurance Coverage Category||Loss Rate|
|Personal Injury||no data|
|Medical Payment||no data|
|Bodily Injury||no data|
The lower the number, the better the insurance loss ratio. For this vehicle, the collision loss ratios are substantially better than average. However, the property damage ratio is worse than average.
To see how the GMC Sierra’s 1500 rates compare to other large pickups, view the vehicles below.
If you’re wondering how much does a GMC truck cost, expect to pay around $40,000 or less. How much does a 2014 GMC Sierra cost? Just under $30,000.
We hope you have a better idea of GMC Sierra’s price range for insurance.
To find out how much a GMC Sierra 1500 or other GMC truck will cost to insure in your area, just enter your five-digit ZIP code into our FREE online quote tool.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$93|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.
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