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: 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.

The average insurance rates for a GMC Sierra are $1,258 a year with full coverage. Comprehensive costs on average $240 each year, collision insurance costs $400, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,720. Teenage drivers cost the most to insure at up to $4,852 a year.

Average premium for full coverage: $1,258

Policy rates by type of insurance:

Comprehensive $240
Collision $400
Liability $460

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra models.

Price Range Variability

For the average driver, GMC Sierra insurance rates range from the low end price of $510 for just liability coverage to a high rate of $2,720 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,258
High Risk $2,720

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

The examples above demonstrate why all drivers should compare rates based on a specific location, 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.

Detailed Rate Analysis

The chart below details average GMC Sierra insurance rates for different risk profiles and scenarios.

  • The best discount rate is $736
  • Drivers who choose higher $1,000 deductibles will pay around $146 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,258
  • Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,538
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,720
  • Policy cost that insures a teen driver may cost $4,852 a year

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing GMC Sierra insurance rates range from $736 to $4,852 for full coverage

Insurance rates for a GMC Sierra also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents 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 much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards 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 $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.

GMC Sierra Insurance Rates by State
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%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Using high physical damage deductibles could save up to $430 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

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 $1,166 $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 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.

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 Cheap GMC Sierra Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by quoting rates from direct companies, and also from several local insurance agents.

The items below are a brief summary of the car insurance concepts touched on above.

  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,460 more each year to insure their Sierra
  • You may be able to save as much as $150 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $425 each year
  • Policyholders who require more liability coverage will pay an extra $510 every year to go from a 30/60 limit to the 250/500 level

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 $4,852
20 $2,896
30 $1,298
40 $1,258
50 $1,150
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,538
$250 $1,408
$500 $1,258
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
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

GMC Sierra Insurance 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.

SR-22 Surcharge $174

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
Rate after discounts $736

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

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