Auto Insurance Costs for a GMC Sierra

The average GMC Sierra car insurance rates are $125/mo. The GMC Sierra receives a 5-star rating (out of 5) with driver side frontal and rear impact testing and a 5-star rating for passenger side frontal and rear impact testing from the IIHS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • The type of Sierra you purchase will impact your insurance premiums
  • Your demographics will impact what you pay for insurance
  • How much insurance you decide to carry with play a role in your rates

The average car insurance premiums for a 2011 GMC Sierra are in the neighborhood of $1,250–1,670 depending on what model of Sierra you do purchase. A 2008 GMC Sierra rates are a bit lower in the $1,120–1,460 range.

There is a multitude of factors that play a role in your insurance premiums, so make sure you do your homework before purchasing a GMC Sierra or any vehicle.

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The GMC Sierra has been an old standby for GMC since 1960. Although it’s a more luxurious truck, it still is and will always be a working man’s vehicle.

After 1999, the Sierra was put on hold until GMC brought it back in 2003. In 2005, the first hybrid Sierra came out; and today the three models being made today of the Sierra are:

  • The 1500
  • The Denali
  • The Hybrid

Is there a difference in auto insurance rates if I buy a 1500, Denali or Hybrid Sierra?

Like with any vehicle, the make and model do play a role in figuring out your car insurance premiums. The cost of the vehicle is a significant factor in analyzing how much your rates will be.

Generally, the more expensive the vehicle, the more expensive your rates will be.

With that stated, the Sierra 1500 is the most affordable of the three versions with a base sticker price just under $28,000. The Denali is higher end model of the Sierra and can run upwards of $55,000.

The Sierra Hybrid is no longer in production, but when it was, its MSRP was in the high $30,000 range.

So with all things being equal, to replace a Denali is going to be, at times, more than twice the amount of replacing a Sierra 1500. The car insurance company is not going to give the same rate to a person who drives a Denali versus one who drives a more traditional 1500 model.

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Shouldn’t a Sierra Hybrid save me money with my insurance premiums?

Having any sort of hybrid car will, of course, save you money at the gas tank. But you are going to pay at the front end for this technology. With a Sierra Hybrid costing about $37,000, it will cost more to repair and replace versus a Sierra 1500 that cost you $27,000 out the door.

Are there any types of insurance discounts if I buy a GMC Sierra?

Yes, there are some discounts that many of the reputable car insurance companies will offer. By having airbags and motorized seatbelts in your GMC (which many models offer or you will be able to upgrade to them) you may be able to get a discount on your car insurance policy.

Having anti-lock brakes, which again are standard on your GMC Sierra, will provide you with another insurance discount. Anti-theft devices also provide you with lower premiums. GMC with its partnership with OnStar is usually seen as an anti-theft system by numerous insurance carriers.

GMC is trying to work out even better deals with insurance carriers to give the owners of their vehicles more of an incentive to keep OnStar with their vehicle.

Right now, almost half the owners of vehicles with OnStar don’t renew due to the pricey annual fee for the service (about $299). And those that do keep OnStar after the first year only renew for the second year about 60% of the time.

What safety factors are going to help me with my car insurance premiums?

The GMC Sierra has stellar marks when it comes to overall safety ratings and reviews by independent testing organizations.

The GMC Sierra receives a 5-star rating (out of 5) with driver side frontal and rear impact testing, a 5-star rating for passenger side frontal and rear impact testing, and a 4-star rating for roller safety testing.

And IIHS (Insurance Institute for Highway Safety) as stated on their website is “an independent, nonprofit, scientific, and educational organization dedicated to reducing the losses — deaths, injuries, and property damage — from crashes on the nation’s highways.”

They are the premier agency when it comes to determining the safety of all vehicles. They primarily focus on high speed frontal and side collision results, as well as seat head restraints and protection in regards to neck injuries and overall impact.

When testing the GMC Sierra, IIHS found the vehicle to rate Good (their highest rating) for 13 out of the 19 factors they test for.

The Sierra rated Acceptable (their second highest rating) for 5 of the 19 factors tested by the institute. And only 1 factor (rear passenger torso) had a Marginal rating (the 3rd of the 4th rung of their rating scale).

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What else can help me with my GMC Sierra car insurance premiums?

The rest of the standard information that goes with purchasing any vehicle:

  • Age
  • Driving record
  • The amount and type of coverage you purchase
  • The age of the vehicle
  • Good student discounts
  • Safe driver discounts
  • Multiple policy discounts
  • Early signing discounts

How can you get a car insurance quote for a GMC Sierra?

Consumers can get car insurance rate comparison for the GMC Sierra in exactly the same manner as they would any other car.

Going online to a car insurance rate comparison portal such as this one, calling a car insurance company, or meeting with a broker are the most convenient methods of obtaining car insurance rate information on the GMC Sierra.

Rates for the GMC Sierra will often differ from car insurance provider to car insurance provider, so it is a good idea to compare pricing information carefully.

It is not necessary to be the owner of a GMC Sierra to get quotes. If you are a licensed driver, you will be able to give the model of the GMC Sierra on which you want rate information.

What can a GMC Sierra owner do to get a low quote?

Purchasing only the state minimum amount of car insurance for the GMC Sierra is the most effective means of keeping auto insurance rates down.

You will need to consider your lifestyle, as well as the risk that buying liability-only coverage presents before making an ultimate decision.

GMC Sierra drivers are able to get the same discounts on car insurance as other motorists.

This means that signing up and completing defensive driving classes, equipping your vehicle with standard safety features, and working close to your home can save you money on insurance for your GMC Sierra.

Owning a GMC Sierra that is at least a few years old also puts some consumers at an advantage. As their vehicles depreciate in value, car insurance becomes less expensive.

Another way to get better insurance rates for the GMC Sierra is to add another driver that has a spotless driving record onto your policy.

Before purchasing the GMC Sierra, you need to compare car insurance quotes. Start by typing your ZIP code below!

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