GMC Sierra Car Insurance [Rates + Coverage Guide]

Average auto insurance rates for a GMC Sierra cost $1,460 a year, or around $122 a month. Mature drivers with good driving records may find rates as low as $858 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 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 car insurance rates cost drivers an average of $1,460 a year, which comes down to about $122 per month. Some of the factors that impact GMC Sierra rates include the age of both the driver and vehicle, as well as the model’s safety features. Take the time to read through this comprehensive guide to learn all about how GMC Sierra insurance rates are determined.

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 costs 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 Ford Ranger, Chevrolet Colorado, and Chevrolet Silverado.

Vehicle Comprehensive Collision Liability Total
GMC Sierra $336 $594 $372 $1,460
Ford Ranger $254 $470 $372 $1,254
Chevrolet Colorado $254 $438 $372 $1,222
Chevrolet Silverado $322 $562 $420 $1,484
Dodge Ram $362 $562 $420 $1,524
Toyota Tundra $320 $512 $440 $1,452
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
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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 insurance coverage.

Age of the Vehicle

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

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
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Driver Age

Driver age can have a significant impact on the cost of GMC Sierra auto insurance. For example, 20-year-old drivers pay approximately $1,786 each year for their GMC Sierra auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on GMC Sierra insurance rates. For example, drivers in Los Angeles may pay $1,256 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of GMC Sierra auto 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 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
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GMC Sierra Crash Test Ratings

The crash test ratings of the GMC Sierra can impact your GMC Sierra car insurance rates.

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
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GMC Sierra Safety Features

The more safety features you have on your GMC Sierra, the more likely it is that you can earn a discount. The GMC Sierra’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Integrated Turn Signal Mirrors
  • Front Tow Hooks
  • Traction Control
  • Blind Spot Monitor
  • Cross-Traffic Alert

GMC Sierra Insurance Loss Probability

Another contributing factor that plays a direct role in GMC Sierra insurance rates is the loss probability for 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
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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

There are many ways that you can save on GMC Sierra car insurance. Below are five actions you can take to find cheap GMC Sierra auto insurance rates.

  • Don’t Always Pick the Cheapest GMC Sierra Insurance Policy
  • Ask About Student Discounts
  • Take Public Transit Instead of Driving Your GMC Sierra
  • Pay Your Bills On Time — Especially GMC Sierra Payments and Insurance
  • Ask About Farm and Ranch Vehicle Discounts

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.

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
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Compare Free GMC Sierra Insurance Quotes Online

You can start comparing quotes for GMC Sierra auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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