Compare GMC Car Insurance Rates 2023
GMC auto insurance averages $145 monthly. However, you can compare GMC insurance rates by model, driving record, and demographics to find the best car insurance coverage for your GMC. This GMC car insurance review will overview GMC car insurance coverages and help you find cheap GMC auto insurance.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jun 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- GMC car insurance costs $145 monthly
- Types of insurance for GMC cars include liability, comprehensive, personal injury protection, collision, uninsured/underinsured motorist coverage, and MedPay
- You can save money on GMC car insurance by raising your deductible, bundling policies, maintaining a good driving record, and keeping low annual mileage
GMC car insurance averages $145 monthly, but you should compare GMC car insurance rates based on the various factors that affect car insurance rates to find affordable GMC coverage.
In this guide, we’ll go over the different types of GMC car insurance coverage, how to get the best GMC car insurance rates, and how to save money on GMC car insurance.
Read more: GMC Auto Insurance
Compare GMC Car Insurance Coverage Types
Before getting a quote for GMC car insurance, it’s important to understand the types of GMC coverages available to ensure you’re getting the right coverage for your needs.
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Here are the most common types of car insurance coverage you should consider when insuring your GMC:
GMC Liability Car Insurance Coverage
Liability insurance covers two areas:
- Bodily injury: This covers any medical expenses for injuries caused by you in an accident
- Property damage: In the event of an accident, this will cover any property damage
All states except for New Hampshire and Virginia require you at least to have liability coverage.
GMC Collision Car Insurance Coverage
Collision car insurance covers the cost of repairs to your GMC if damaged in an accident. It can also cover any damage caused by hitting a stationary object, such as a guardrail or a tree.
If your GMC is leased or financed, most lenders will require you to carry collision insurance. However, even if you own your GMC, it’s a good idea to get collision coverage in case of an accident.
GMC Comprehensive Car Insurance Coverage
Comprehensive car insurance is necessary for any driver, as it covers damage to your GMC from non-accident-related incidents, including theft, vandalism, fire, floods, and more.
Since this coverage typically includes a deductible, you’ll have to bear the upfront cost before your insurance kicks in. So when you purchase comprehensive coverage for your GMC, make sure the deductible is an amount you can afford in case of an emergency.
GMC Uninsured/Underinsured Motorist (UM/UIM) Car Insurance Coverage
If you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance, uninsured/underinsured motorist coverage protects you from paying out of pocket for damages. It can also cover medical bills and lost wages resulting from the accident.
Depending on your state, this might be one of the minimum requirements for driving legally.
Personal Injury Protection (PIP) Car Insurance
Personal injury protection, or PIP, is coverage that pays for medical expenses and lost wages if you’re injured in an accident. It also covers expenses incurred by injured passengers in your car, regardless of fault.
No-fault states often require PIP coverage. Typically, PIP coverage limits are lower than other types of coverage.
Medical Payments (MedPay) Coverage
Medical Payment coverage, also known as MedPay, covers medical bills resulting from an accident, such as surgeries, hospital stays, and x-rays. It’s also important to note that even if you are found to be culpable for the accident that caused the medical bills, your MedPay insurance should still provide coverage.
If you live in a state where PIP coverage is not available, MedPay can be a good alternative.
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Finding the Best GMC Car Insurance Rates
With the average GMC vehicle insurance costing about $145 monthly, shopping around for the most competitive rates is smart. GMC models have different insurance costs, so it’s best to compare GMC auto insurance quotes from different companies before deciding on a policy.
These rates aren’t set in stone, so you must also consider the vehicle’s age and safety features. Older GMCs typically cost more to insure because insurers charge more for the risk that these vehicles may need to be repaired or replaced due to age.
Read: Does the age of my car affect car insurance rates?
While some exceptions exist, newer vehicles generally cost less to insure because they typically have more advanced safety features such as air bags, anti-lock brakes, and stability control. Additionally, newer GMCs may also have anti-theft systems, which can lead to better car insurance discounts.
Navigate Your Options: Compare GMC Car Insurance Rates by Model
Quickly compare car insurance rates for various GMC models including Acadia, Sierra, Suburban, Denali, Terrain, Jimmy, Typhoon, Savana, and Yukon. Start now to find the best rates for your GMC!
Compare GMC Car Insurance Rates by Model
GMC Acadia GMC Sierra GMC Suburban
GMC Denali GMC Sierra 2500HD GMC Terrain
GMC Jimmy GMC Sierra 2500HD GMC Typhoon
GMC Savana GMC Sierra 3500HD GMC Yukon
Compare GMC Car Insurance Discounts
Car insurance discounts can help you save money on your GMC auto insurance premiums. When shopping for car insurance for your GMC vehicle, ask about any discounts that may be available.
Some of the most common discounts include:
Safe Driver Car Insurance Discounts
Most insurance companies offer discounts if you haven’t had an accident or moving violation in the past three years. Usually, these discounts start at around 10% and increase with each successive year without any recordable incidents.
If you have a clean driving record and live in a state where safe driver car insurance discounts are allowed, it’s worth checking out what kind of savings could be in store for you.
Anti-Theft System Car Insurance Discounts
GMC cars with theft-deterrent systems such as an alarm, immobilizer, or tracking system may be eligible for discounts. This is because the insurer knows these cars are less likely to be stolen.
Geico is one of the companies that offer anti-theft car insurance discounts. Depending on which devices are installed and where you live, savings could range from 5-23%. Learn more about Geico car insurance discounts.
Senior Driver Discounts
If you’re over 55 and own a GMC vehicle, you may be eligible for a senior driver car insurance discount of up to 10%.
Some insurers will also offer discounts to drivers willing to take a driver safety or defensive driving course. Check with your insurer for more information.
Multiple Cars Car Insurance Discounts
You may be eligible for the multi-car discount if you own multiple cars. This discount applies to two or more vehicles registered under the same name and insured through the same company. The extent of this discount varies based on your insurer. For example, you can get a State Farm car insurance discount of up to 20% if you have multiple cars.
Good Student Car Insurance Discounts
If you’re a full-time student with a GPA of at least 3.0, you may be eligible for discounts up to 20%.
These discounts can be applied together with other discounts, so take advantage of them to get affordable GMC car insurance coverage.
Tips to Save on GMC Car Insurance Rates
As a GMC car owner, you already know that your vehicle is a luxurious and powerful machine. However, what you might not know is that there are some simple steps you can take to buy cheap GMC car insurance.
Here are our top tips for saving money on car insurance for GMC vehicles:
Bundling Other Insurance Policies
Most insurance companies will give you a discount if you bundle your car insurance with other types of insurance, such as homeowners or renters insurance.
Increasing Car Insurance Deductibles
A car insurance deductible is the amount of money you must pay out-of-pocket in the event of a claim before your insurance pays.
For example, if you have a $1,000 deductible and file an accident claim for $5,000 worth of damage, you would need to pay the first $1,000, and then your insurance company would cover the remaining balance.
So increasing your deductible to, say, $2,000 or higher, you can reduce your premium costs. Just make sure you can afford the higher amounts needed when filing claims against your policy.
Maintaining a Good Driving Record
This one is self-explanatory but worth mentioning. Most insurers will give you a break on your premium if you have a clean driving record.
Keep Low Annual Mileage
The less you drive, the lower your risk of being in an accident. If you’re okay with public transportation or occasionally carpooling, keeping your annual mileage low could save you money on your premium. Compare low-mileage car insurance rates to get affordable GMC car insurance coverage if you don’t drive often.
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Compare GMC Car Insurance Rates to Save on Coverage
You can save money on your GMC car insurance by shopping around for discounts. Multiple car insurance discounts are available from most major insurers, with potential savings of up to 25%.
Vehicle age and safety features can affect rates. For instance, older cars typically cost more to insure due to their higher likelihood of needing repairs.
Bundling multiple types of insurance with the same insurer and increasing deductibles can provide significant discounts, making it easy to find affordable car insurance for GMC vehicles.
With these tips in mind, GMC vehicle owners should have no problem finding suitable coverage that fits their needs and budget. Remember to shop around for affordable GMC car insurance coverage, explore discounts, and use bundling options to get the most out of your GMC car insurance policy.
Readmore: Compare Smart Car Insurance Rates [2023]
Frequently Asked Questions
Are GMC’s expensive to insure?
GMC cars can be more expensive to insure than other vehicles due to their higher cost of repairs and replacement parts. The average cost of insuring a GMC vehicle is approximately $145 monthly.
Does GM offer auto insurance?
Yes, GM offers auto insurance through OnStar Insurance. They provide loads of coverage options and discounts — like multi-vehicle and anti-theft device discounts — designed to help you get the right coverage for your needs.
However, there’s one caveat: only owners of GM cars may be eligible for these discounts, and if you don’t own an eligible GM vehicle, you could end up paying more for insurance. Either way, check out OnStar to see the best options for you.
Is OnStar insurance good?
OnStar insurance is known to be a good option for GM vehicle owners looking for coverage. It offers ample discounts and an impressive array of coverage options. OnStar insurance is also known for its reliable customer service and 24/7 roadside assistance should you ever need it.
Are GMC Sierras expensive to insure?
GMC Sierra insurance cost is about $146 monthly. However, the actual amount you pay will depend on several factors, such as your age, driving record, etc. Comparing rates from different insurers can help you get the best rate for your GMC Sierra.
How can I save money on car insurance for my GMC?
To save money on car insurance for your GMC, consider bundling your policies with the same insurer, increasing deductibles, maintaining a good driving record, and keeping your annual mileage low. These steps can help lower your premium costs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.