GMC Sierra Insurance Rates
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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 auto insurance rates for a GMC Sierra are $1,258 annually for full coverage insurance. Comprehensive insurance costs an estimated $240, collision costs $400, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,720 or more. Teenage drivers pay the highest rates at $4,852 a year or more.
Average premium for full coverage: $1,258
Price estimates broken down by individual coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Sierra trim levels.
Price Range from Low to High
For an average driver, GMC Sierra insurance prices go from as cheap as $510 for the bare minimum liability coverage to a much higher rate of $2,720 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than 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.
Additional Rate Information
The chart below illustrates estimated GMC Sierra insurance rates for other coverage scenarios.
- The best discount rate is $736
- Using higher $1,000 deductibles will save approximately $146 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,258
- Using more expensive low deductibles for physical damage coverage costs an additional $280 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,720 or more
- The price with full coverage for a teenage driver with full coverage can cost as much as $4,852 or more
Car insurance prices for a GMC Sierra are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $430 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, New York, and Michigan.
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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
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.
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 Buy the Best GMC Sierra Insurance
Getting lower rates on auto insurance requires having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief recap of the data covered in the above illustrations.
- Consumers who want increased levels of liability coverage will pay an extra $510 annually to increase from a low limit to higher 250/500 limits
- It is possible to save approximately $150 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $425 each year
- Drivers age 20 and younger have the highest car insurance prices, as much as $404 a month if comprehensive and collision insurance is included
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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
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 |
---|---|
Collision | -11% |
Property Damage | 22% |
Comprehensive | 6% |
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.
References
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,538 |
$250 | $1,408 |
$500 | $1,258 |
$1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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