GMC Sierra Insurance Rates

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 prices for a GMC Sierra are $908 every 12 months with full coverage. Comprehensive costs around $138 a year, collision costs $170, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing around $1,950. 16-year-old drivers pay the highest rates at $3,718 a year or more.

Average premium for full coverage: $908

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details estimated GMC Sierra insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $560
• Choosing higher $1,000 deductibles can save about $836 annually
• The average price for the average middle-age driver using $500 deductibles is $908
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,040
• High-risk insureds with multiple tickets or accidents could pay at least $1,950 or more
• The price to insure a teen driver can be $3,718 each year

View Chart as Image

Insurance prices for a GMC Sierra are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $210 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 40% to 134% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay as low as $660 a year in states like New Hampshire, Ohio, and Utah, or at least $1,230 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices may be quite different.

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.

How to Shop for Cheap GMC Sierra Insurance

Getting lower rates on GMC Sierra insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the information illustrated above.

• You may be able to save up to $100 per year simply by quoting early and online
• Teenagers pay higher prices, costing up to $310 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $200 each year
• High-risk drivers that tend to have accidents or serious violations pay on average $1,040 more every year for car insurance
• Drivers who may need higher liability limits will pay around $490 every year to raise limits from a low limit to a 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.

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

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

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.

• Chevrolet Silverado
• Ford F-150
• Nissan Titan

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