Compare Cheap GMC Sierra Insurance Quotes
GMC Sierra insurance rates 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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 23, 2020
It’s all about you. We want to help you make the right coverage choices.
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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 $122 per month for full coverage but cost $49 per month for liability-only coverage. Teen drivers could pay up to $445 per month. Parents can save money through policy discounts. Continue reading to learn about tips that can save you money on GMC Sierra insurance rates.
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.
Table of Contents
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 Chevrolet Colorado, Chevrolet Silverado 3500HD, and GMC Canyon.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
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 auto insurance coverage.
Age of the Vehicle
The average GMC Sierra auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 GMC Sierra are $1,460, while 2010 GMC Sierra rates 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 |
Driver Age
Driver age can have a significant impact on GMC Sierra auto insurance rates. As an example, a 40-year-old driver could pay $154 less each month for their GMC Sierra auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on GMC Sierra insurance rates. For example, drivers in New York may pay $380 a year more than drivers in Chicago.
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 with violations on their driving record.
GMC Sierra Safety Ratings
Your GMC Sierra auto insurance rates are influenced by 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
Poor GMC Sierra crash test ratings could mean higher GMC Sierra auto 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 | ||||
|---|---|---|---|---|
GMC Sierra Safety Features
Having a variety of safety features on your GMC Sierra can help lower your GMC Sierra insurance costs. The GMC Sierra’s safety features include:
- StabiliTrak, stability control system with Proactive Roll Avoidance and traction control, includes electronic trailer sway control and hill start assist
- Daytime Running Lamps LED signature lighting
- Airbags, Dual-stage frontal airbags for driver and front outboard passenger; Seat-mounted side-impact airbags for driver and front outboard passenger; Head-curtain airbags for front and rear outboard seating positions; Includes front outboard Passenger Sensing System for frontal outboard passenger airbag
- Rear Vision Camera
- Teen Driver mode a configurable feature that lets you activate customizable vehicle settings associated with a key fob, to help encourage safe driving behavior. It can limit certain available vehicle features, and it prevents certain safety systems from being turned off. An in-vehicle report card gives you information on driving habits and helps you to continue to coach your new driver
- Tire Pressure Monitoring System with Tire Fill Alert
- Rear Seat Reminder
GMC Sierra Insurance Loss Probability
Insurance loss probability on the GMC Sierra fluctuates between each type of coverage. The lower percentage means lower GMC Sierra auto insurance rates; higher percentages mean higher GMC Sierra auto insurance rates.
| 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.
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Ways to Save on GMC Sierra Insurance
You can save more money on your GMC Sierra auto insurance rates by employing any of the following five strategies.
- Take Advantage of Referral Fees
- Ask About Mature Driver Discounts for Drivers Over 50
- Understand that Insurance Companies Can’t Change Your GMC Sierra Auto Insurance Rates Mid-Term Based on Changes to Your Credit Score
- Carpool to Work Instead of Driving Your GMC Sierra
- Get GMC Sierra Auto Insurance Through Costco
Top GMC Sierra Insurance Companies
Several top auto 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 auto 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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