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...

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UPDATED: Jun 6, 2023

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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.

U.S. average insurance rates for a GMC Sierra are $908 a year for full coverage. Comprehensive costs around $138, collision insurance costs $170, and liability insurance costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $1,950. 16-year-old drivers pay the highest rates at up to $3,718 a year.

Average premium for full coverage: $908

Price estimates for individual coverage:

Comprehensive $138
Collision $170
Liability $442

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Sierra models.

Price Range from Low to High

For the normal driver, GMC Sierra insurance prices range from the low end price of $496 for a discount liability-only rate to the much higher price of $1,950 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $908
High Risk $1,950

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $681
Small Cities $953
Large Cities $1,226

The ranges above show why everyone should compare rates for a specific zip code, 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.

Rates by State, City, and Model

The chart below shows average GMC Sierra insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $560
  • Drivers who choose higher $1,000 deductibles will pay about $72 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $908
  • Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,040
  • High risk drivers with multiple tickets or accidents could pay at least $1,950
  • The price that insures a teen driver for full coverage can be $3,718 a year

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing GMC Sierra insurance rates range from $560 to $3,718 for full coverage

Insurance prices for a GMC Sierra are also quite variable based on the model of your Sierra, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,100 to $1,500 additional each year, depending on your age. GMC Sierra insurance for high-risk drivers can cost anywhere from 40% to 134% 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 $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Idaho, Maine, and Iowa, or at least $1,300 on average in Michigan, Louisiana, and New York.

GMC Sierra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $822 -$86 -9.5%
Alaska $698 -$210 -23.1%
Arizona $756 -$152 -16.7%
Arkansas $908 -$0 0.0%
California $1,036 $128 14.1%
Colorado $868 -$40 -4.4%
Connecticut $936 $28 3.1%
Delaware $1,028 $120 13.2%
Florida $1,136 $228 25.1%
Georgia $840 -$68 -7.5%
Hawaii $652 -$256 -28.2%
Idaho $616 -$292 -32.2%
Illinois $676 -$232 -25.6%
Indiana $684 -$224 -24.7%
Iowa $614 -$294 -32.4%
Kansas $864 -$44 -4.8%
Kentucky $1,240 $332 36.6%
Louisiana $1,346 $438 48.2%
Maine $560 -$348 -38.3%
Maryland $750 -$158 -17.4%
Massachusetts $728 -$180 -19.8%
Michigan $1,580 $672 74.0%
Minnesota $760 -$148 -16.3%
Mississippi $1,088 $180 19.8%
Missouri $806 -$102 -11.2%
Montana $978 $70 7.7%
Nebraska $716 -$192 -21.1%
Nevada $1,090 $182 20.0%
New Hampshire $654 -$254 -28.0%
New Jersey $1,016 $108 11.9%
New Mexico $804 -$104 -11.5%
New York $960 $52 5.7%
North Carolina $524 -$384 -42.3%
North Dakota $744 -$164 -18.1%
Ohio $630 -$278 -30.6%
Oklahoma $934 $26 2.9%
Oregon $832 -$76 -8.4%
Pennsylvania $868 -$40 -4.4%
Rhode Island $1,214 $306 33.7%
South Carolina $822 -$86 -9.5%
South Dakota $768 -$140 -15.4%
Tennessee $798 -$110 -12.1%
Texas $1,096 $188 20.7%
Utah $674 -$234 -25.8%
Vermont $622 -$286 -31.5%
Virginia $544 -$364 -40.1%
Washington $704 -$204 -22.5%
West Virginia $832 -$76 -8.4%
Wisconsin $630 -$278 -30.6%
Wyoming $810 -$98 -10.8%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $210 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 1991 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
2016 GMC Sierra $240 $400 $460 $1,258
2015 GMC Sierra $224 $368 $460 $1,210
2014 GMC Sierra $216 $346 $464 $1,184
2012 GMC Sierra $194 $300 $474 $1,126
2011 GMC Sierra $190 $272 $478 $1,098
2010 GMC Sierra $176 $248 $474 $1,056
2009 GMC Sierra $166 $226 $474 $1,024
2008 GMC Sierra $162 $202 $468 $990
2007 GMC Sierra $158 $198 $460 $974
2006 GMC Sierra $156 $188 $452 $954
2005 GMC Sierra $142 $180 $446 $926
2004 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

Getting lower rates on GMC Sierra insurance not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The points below are a condensed summary of the ideas that were presented in the illustrations above.

  • Drivers under the age of 20 are charged the highest prices, with premiums as much as $310 a month if comprehensive and collision insurance is included
  • High-risk drivers with multiple at-fault accidents pay on average $1,040 more every year to insure a GMC Sierra
  • Increasing physical damage deductibles can save approximately $200 each year
  • Drivers can save up to $100 per year just by quoting online well ahead of the renewal date

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.

GMC Sierra 1500 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 GMC Sierra 1500 PU/RC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/RC 2WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/EC 2WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/CC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/CC 2WD4 stars4 stars5 stars4 stars
2019 GMC Sierra Limited 1500 PU/EC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra Limited 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/RC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/RC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/EC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/CC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/CC 4WD4 stars4 stars5 stars4 stars
2018 GMC Sierra 1500 PU/RC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/RC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/EC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/EC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/CC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/CC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 Hybrid PU/CC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/RC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/RC 4WD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/EC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/EC 4WD5 stars5 stars5 stars4 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.

GMC Sierra 1500 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage22%
Comprehensive6%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno 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.

References

  1. https://www.iihs.org/ratings/vehicle/gmc/sierra-1500-crew-cab-pickup/2020

Rates by Driver Age

GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $3,718
20 $2,078
30 $922
40 $908
50 $836
60 $818

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,040
$250 $982
$500 $908
$1,000 $836

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $908
50/100 $1,040
100/300 $1,151
250/500 $1,438
100 CSL $1,085
300 CSL $1,328
500 CSL $1,505

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $5,216
20 $3,308
30 $1,960
40 $1,950
50 $1,866
60 $1,846

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 $119

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $53
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $38
Online Quote $60
Total Discounts $348
Rate after discounts $560

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

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