GMC Sierra Insurance [Comprehensive Guide]

If you want to buy affordable GMC Sierra insurance coverage then you should know that a policy will cost $122 per month ($1,460 per year) on average. On average, GMC Sierra comprehensive insurance coverage costs $356, collision coverage costs $519, and liability coverage costs $412.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jul 15, 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 about $59 less than the average vehicle in the country with full coverage 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 by practicing safe driving habits. Let’s take a quick look at GMC Sierra insurance rates, safety ratings, and more.

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 auto insurance rates are $1,460 a year or $122 a month.


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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, Chevrolet Silverado, and GMC Sierra 2500HD.

VehicleComprehensiveCollisionLiabilityTotal
GMC Sierra$336$594$372$1,460
Dodge Ram$362$562$420$1,524
Chevrolet Silverado$322$562$420$1,484
GMC Sierra 2500HD$336$656$420$1,592
Nissan Frontier$294$500$420$1,394
Ford Ranger$254$470$372$1,254
Honda Ridgeline$306$536$450$1,472

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?

The GMC Sierra trim and model you choose can impact the total price you will pay for GMC Sierra car insurance coverage.

Age of the Vehicle

The average GMC Sierra car insurance rates are higher for newer models. For example, car insurance rates for a 2020 GMC Sierra are $1,460, while 2010 GMC Sierra rates are $1,184, a difference of $276.

Model YearComprehensiveCollisionLiabilityTotal
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 GMC Sierra auto insurance rates. For instance, a 30-year-old driver may pay $64 more each year for GMC Sierra auto insurance than a 40-year-old driver.

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 auto insurance rates with violations on their driving record.

GMC Sierra Safety Ratings

Your GMC Sierra auto insurance rates are influenced by the GMC Sierra’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideMarginal
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

GMC Sierra Crash Test Ratings

If the GMC Sierra crash test ratings are good, you could have lower GMC Sierra car insurance rates. See GMC Sierra crash test results below:

Vehicle TestedOverallFrontalSideRollover
2020 GMC Sierra 2500 PU/RC 4WDN/RN/RN/RN/R
2020 GMC Sierra 2500 PU/RC 2WDN/RN/RN/RN/R
2020 GMC Sierra 2500 PU/EC 4WDN/RN/RN/RN/R
2020 GMC Sierra 2500 PU/EC 2WDN/RN/RN/RN/R
2020 GMC Sierra 2500 PU/CC 4WDN/RN/RN/RN/R
2020 GMC Sierra 2500 PU/CC 2WDN/RN/RN/RN/R
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 3500 PU/RC RWDN/RN/RN/RN/R
2019 GMC Sierra 3500 PU/RC 4WDN/RN/RN/RN/R
2019 GMC Sierra 3500 PU/CC RWDN/RN/RN/RN/R
2019 GMC Sierra 3500 PU/CC 4WDN/RN/RN/RN/R
2019 GMC Sierra 2500 PU/RC RWD4 stars3 stars5 stars3 stars
2019 GMC Sierra 2500 PU/RC 4WD4 stars3 stars5 stars3 stars
2019 GMC Sierra 2500 PU/EC RWD4 stars3 stars5 stars3 stars
2019 GMC Sierra 2500 PU/EC 4WD4 stars3 stars5 stars3 stars
2019 GMC Sierra 2500 PU/CC RWD4 stars4 stars5 stars3 stars
2019 GMC Sierra 2500 PU/CC 4WD4 stars4 stars5 stars3 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 3500 PU/RC RWDN/RN/RN/RN/R
2018 GMC Sierra 3500 PU/RC 4WDN/RN/RN/RN/R
2018 GMC Sierra 3500 PU/EC RWDN/RN/RN/RN/R
2018 GMC Sierra 3500 PU/EC 4WDN/RN/RN/RN/R
2018 GMC Sierra 3500 PU/CC RWDN/RN/RN/RN/R
2018 GMC Sierra 3500 PU/CC 4WDN/RN/RN/RN/R
2018 GMC Sierra 2500 PU/RC RWD4 stars4 stars5 stars3 stars
2018 GMC Sierra 2500 PU/RC 4WD4 stars4 stars5 stars3 stars
2018 GMC Sierra 2500 PU/EC RWD4 stars4 stars5 stars3 stars
2018 GMC Sierra 2500 PU/EC 4WD4 stars4 stars5 stars3 stars
2018 GMC Sierra 2500 PU/CC RWD4 stars4 stars5 stars3 stars
2018 GMC Sierra 2500 PU/CC 4WD4 stars4 stars5 stars3 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 3500 PU/RC RWDN/RN/RN/RN/R
2017 GMC Sierra 3500 PU/RC 4WDN/RN/RN/RN/R
2017 GMC Sierra 3500 PU/EC RWDN/RN/RN/RN/R
2017 GMC Sierra 3500 PU/EC 4WDN/RN/RN/RN/R
2017 GMC Sierra 3500 PU/CC RWDN/RN/RN/RN/R
2017 GMC Sierra 3500 PU/CC 4WDN/RN/RN/RN/R
2017 GMC Sierra 2500 PU/RC RWD4 stars4 stars5 stars3 stars
2017 GMC Sierra 2500 PU/RC 4WD4 stars4 stars5 stars3 stars
2017 GMC Sierra 2500 PU/EC RWD4 stars4 stars5 stars3 stars
2017 GMC Sierra 2500 PU/EC 4WD4 stars4 stars5 stars3 stars
2017 GMC Sierra 2500 PU/CC RWDN/RN/R5 stars3 stars
2017 GMC Sierra 2500 PU/CC 4WDN/RN/R5 stars3 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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

GMC Sierra Safety Features

GMC Sierra safety features can lower the cost of your insurance. The safety features for the 2020 GMC Sierra include:

  • 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 GMC Sierra’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the GMC Sierra, others are more favorable and lead to lower insurance rates.

Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage22%
Comprehensive6%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety

GMC Sierra Finance and Insurance Cost

If you are financing a GMC Sierra, most lenders will require your carry higher GMC Sierra coverage options including comprehensive coverage, so be sure to shop around and compare GMC Sierra car insurance rates from the best companies using our FREE tool below.

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Ways to Save on GMC Sierra Insurance

Drivers can end up saving more money on their GMC Sierra car insurance rates by employing any one of the following strategies.

  • Buy a GMC Sierra with an Anti-Theft Device
  • Remove Young Drivers from Your GMC Sierra Insurance Plan
  • Remove Young Drivers from Your GMC Sierra Insurance When They Move Out or Go to School
  • Park Your GMC Sierra Somewhere Safe – like a Garage or Private Driveway
  • Ask About Mature Driver Discounts for Drivers Over 50

Top GMC Sierra Insurance Companies

Several top car insurance companies offer competitive rates for the GMC Sierra rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with GMC Sierra drivers organized by market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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