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GMC Sierra Insurance Cost [How to Find Cheap Rates]

The average GMC Sierra insurance cost for full coverage is $122/mo while mature drivers with good driving records may find GMC Sierra insurance rates as low as $71.50/mo. Use our comparison tool below to shop around for multiple GMC Sierra insurance quotes.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 1, 2020

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Key takeaways:

  • Full coverage costs around $1,460 a year or $122 each month
  • A liability-only policy costs around $585 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,336 a year or $445 each month
  • Good drivers can save as much as $602 a year by earning policy discounts
  • GMC Sierra insurance costs around $59 less per year than the average vehicle

GMC Sierra insurance rates are a little less than the average vehicle in the country with full coverage car insurance costing around $1,460 a year or $122 a month. Drivers of an older GMC Sierra may choose to get liability-only coverage which costs around $585 a year or $49 a month.

Good drivers are eligible for up to $602 in discounts for being safe out on the road. Let’s take a quick look at the GMC Sierra insurance cost, safety ratings, and more.

We’ll answer your questions from “are GMC Sierras reliable” to “are trucks expensive to insure” and everything in between. You can start comparing quotes for GMC Sierra car insurance rates from some of the best car insurance companies by using our free online tool now.

GMC Sierra Insurance Cost

The average GMC Sierra car insurance rates are $1,460 a year or $122 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Are GMC Sierras Expensive to Insure?

The chart below details how GMC Sierra insurance rates compare to other trucks like the Dodge Ram, GMC Sierra 2500HD, and Nissan Frontier.

Vehicle Comprehensive Collision Liability Total
GMC Sierra $336 $594 $372 $1,460
Dodge Ram $362 $562 $420 $1,524
GMC Sierra 2500HD $336 $656 $420 $1,592
Nissan Frontier $294 $500 $420 $1,394
Honda Ridgeline $306 $536 $450 $1,472
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
GMC Sierra 3500HD $376 $656 $420 $1,632

However, there are a few things you can do to find the cheapest GMC insurance rates online.

What Impacts the Cost of GMC Sierra Insurance?

You might have noticed that there is a multitude of factors that impact GMC Sierra car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the GMC Sierra.

Age of the Vehicle

Older GMC Sierra models generally cost less to insure. For example, insurance on a 2020 GMC Sierra is $1,460, while insurance on a 2015 GMC Sierra rates are $1,382, a difference of $78. Go back even further and the insurance on a 2010 GMC Sierra is $1, 184, $276 less than the 2020 model.

Model Year Comprehensive Collision Liability Total
2020 GMC Sierra $336 $594 $372 $1,460
2019 GMC Sierra $320 $570 $390 $1,438
2018 GMC Sierra $306 $566 $398 $1,428
2017 GMC Sierra $296 $552 $416 $1,422
2016 GMC Sierra $286 $530 $430 $1,404
2015 GMC Sierra $270 $512 $442 $1,382
2014 GMC Sierra $260 $474 $452 $1,344
2013 GMC Sierra $250 $446 $456 $1,310
2012 GMC Sierra $240 $400 $460 $1,258
2011 GMC Sierra $224 $368 $460 $1,210
2010 GMC Sierra $216 $346 $464 $1,184

Driver Age

Driver age can have a significant impact on the cost of GMC Sierra auto insurance. For example, 20-year-old drivers pay as much as $1,850 more each year for their GMC Sierra auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on GMC Sierra insurance rates. For example, drivers in Houston may pay $1,076 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of GMC Sierra car insurance. Teens and drivers in their 20’s see the highest jump in their GMC Sierra car insurance rates with violations on their driving record.

GMC Sierra Safety Ratings

Your GMC Sierra car insurance rates are tied to the safety ratings of the GMC Sierra. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

GMC Sierra Crash Test Ratings

Good GMC Sierra crash test ratings can lower your GMC Sierra auto insurance rates. See GMC Sierra crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 GMC Sierra 2500 PU/RC 4WD N/R N/R N/R N/R
2020 GMC Sierra 2500 PU/RC 2WD N/R N/R N/R N/R
2020 GMC Sierra 2500 PU/EC 4WD N/R N/R N/R N/R
2020 GMC Sierra 2500 PU/EC 2WD N/R N/R N/R N/R
2020 GMC Sierra 2500 PU/CC 4WD N/R N/R N/R N/R
2020 GMC Sierra 2500 PU/CC 2WD N/R N/R N/R N/R
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 3500 PU/RC RWD N/R N/R N/R N/R
2019 GMC Sierra 3500 PU/RC 4WD N/R N/R N/R N/R
2019 GMC Sierra 3500 PU/CC RWD N/R N/R N/R N/R
2019 GMC Sierra 3500 PU/CC 4WD N/R N/R N/R N/R
2019 GMC Sierra 2500 PU/RC RWD 4 stars 3 stars 5 stars 3 stars
2019 GMC Sierra 2500 PU/RC 4WD 4 stars 3 stars 5 stars 3 stars
2019 GMC Sierra 2500 PU/EC RWD 4 stars 3 stars 5 stars 3 stars
2019 GMC Sierra 2500 PU/EC 4WD 4 stars 3 stars 5 stars 3 stars
2019 GMC Sierra 2500 PU/CC RWD 4 stars 4 stars 5 stars 3 stars
2019 GMC Sierra 2500 PU/CC 4WD 4 stars 4 stars 5 stars 3 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 3500 PU/RC RWD N/R N/R N/R N/R
2018 GMC Sierra 3500 PU/RC 4WD N/R N/R N/R N/R
2018 GMC Sierra 3500 PU/EC RWD N/R N/R N/R N/R
2018 GMC Sierra 3500 PU/EC 4WD N/R N/R N/R N/R
2018 GMC Sierra 3500 PU/CC RWD N/R N/R N/R N/R
2018 GMC Sierra 3500 PU/CC 4WD N/R N/R N/R N/R
2018 GMC Sierra 2500 PU/RC RWD 4 stars 4 stars 5 stars 3 stars
2018 GMC Sierra 2500 PU/RC 4WD 4 stars 4 stars 5 stars 3 stars
2018 GMC Sierra 2500 PU/EC RWD 4 stars 4 stars 5 stars 3 stars
2018 GMC Sierra 2500 PU/EC 4WD 4 stars 4 stars 5 stars 3 stars
2018 GMC Sierra 2500 PU/CC RWD 4 stars 4 stars 5 stars 3 stars
2018 GMC Sierra 2500 PU/CC 4WD 4 stars 4 stars 5 stars 3 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 3500 PU/RC RWD N/R N/R N/R N/R
2017 GMC Sierra 3500 PU/RC 4WD N/R N/R N/R N/R
2017 GMC Sierra 3500 PU/EC RWD N/R N/R N/R N/R
2017 GMC Sierra 3500 PU/EC 4WD N/R N/R N/R N/R
2017 GMC Sierra 3500 PU/CC RWD N/R N/R N/R N/R
2017 GMC Sierra 3500 PU/CC 4WD N/R N/R N/R N/R
2017 GMC Sierra 2500 PU/RC RWD 4 stars 4 stars 5 stars 3 stars
2017 GMC Sierra 2500 PU/RC 4WD 4 stars 4 stars 5 stars 3 stars
2017 GMC Sierra 2500 PU/EC RWD 4 stars 4 stars 5 stars 3 stars
2017 GMC Sierra 2500 PU/EC 4WD 4 stars 4 stars 5 stars 3 stars
2017 GMC Sierra 2500 PU/CC RWD N/R N/R 5 stars 3 stars
2017 GMC Sierra 2500 PU/CC 4WD N/R N/R 5 stars 3 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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

GMC Sierra Safety Features

The safety features of the GMC Sierra can impact your GMC Sierra car insurance rates. The GMC Sierra has the following safety features:

  • Rearview camera
  • Teen driver system
  • Automatic high-beam headlights
  • Adaptive cruise control
  • Lane keep assist
  • Lane departure warning
  • Lane change alert
  • Blind-spot monitoring
  • Rear cross-traffic alert
  • Front and rear parking sensors
  • Forward collision warning
  • Low-speed forward automatic braking
  • Pedestrian detection

GMC Sierra Insurance Loss Probability

The lower percentage means lower GMC Sierra car insurance rates; higher percentages mean higher GMC Sierra auto insurance rates. Insurance loss probability on the GMC Sierra fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage 22%
Comprehensive 6%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety

GMC Sierra Finance and Insurance Cost

If you are financing a GMC Sierra, you will pay more if you purchase GMC Sierra auto insurance at the dealership, so be sure to shop around and compare GMC Sierra auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on GMC Sierra Insurance

Although it may seem like your GMC Sierra car insurance rates are set, there are a few measures that you can take to secure the best GMC Sierra car insurance rates possible. Take a look at the following five ways to save on GMC Sierra auto insurance.

  • Bundle Your GMC Sierra Auto Insurance with Home Insurance
  • Make Sure You’re Raising a Safe Driver
  • Be Picky About Who Drives Your GMC Sierra
  • Buy An Older GMC Sierra
  • Move to an Area with Better Weather

Top GMC Sierra Insurance Companies

Who is the best company for GMC Sierra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Sierra insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Sierra offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free GMC Sierra Insurance Quotes Online

To start comparing GMC Sierra car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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