Cheap GMC Auto Insurance (2024)

GMC auto insurance rates cost $145 monthly on average for full coverage auto insurance. While finding affordable GMC car insurance coverage isn’t usually a challenge, there are always ways to save more. No matter how much auto insurance you need, you can find cheap auto insurance for your GMC by finding discounts, considering usage-based programs, and comparing quotes.

Learn more about GMC auto insurance rates and how to find a cheap GMC car insurance policy below. Then, compare GMC insurance quotes with as many companies as possible to find the best cost and auto insurance types for you.

GMC Auto Insurance Coverage Options

When shopping for GMC coverage, the insurance you’ll benefit from most depends on your needs. Some GMC drivers can skip buying multiple coverages and purchase just enough to meet their state minimum auto insurance requirements.

However, you’ll need more insurance if you recently purchased a new GMC. Most car loans and leases require full coverage auto insurance, which includes multiple insurance types to offer relatively complete protection for your GMC. Even if you purchased your car with cash or paid off your loan, GMC full coverage car insurance might be right for you if you can’t afford to replace your vehicle.

Most auto insurance companies offer various auto insurance types to get the exact amount of GMC auto insurance coverage you want. Some of the most commonly purchased coverage for a GMC includes the following:

• Liability: Liability auto insurance includes both bodily injury and property damage coverage. It pays for damages and injuries you cause in an at-fault accident but doesn’t help pay for repairs to your GMC.
• Collision: If you want help with car repairs after you cause an accident, you’ll need collision auto insurance. Collision insurance covers your GMC after an accident, no matter who was at fault. It also covers collisions with stationary objects.
• Comprehensive: There’s a lot more than car accidents that can damage your vehicle. Comprehensive auto insurance protects your GMC from fires, extreme weather, floods, vandalism, animal contact, and theft.
• Personal injury protection: Personal injury protection auto insurance pays for the health care expenses of you and your passengers after an accident. It also covers related expenses like lost wages or funeral costs.
• Medical payments: Also called MedPay, medical payments coverage on auto insurance is similar to personal injury protection but doesn’t cover extra expenses like lost wages.
• Uninsured/underinsured motorist: Uninsured motorist coverage protects your GMC after a driver with inadequate coverage hits you. It also covers you if you’re the victim of a hit-and-run.

Most states require at least liability insurance before you can drive, and many others include uninsured motorist or personal injury protection insurance. Your GMC insurance policy will consist of everything listed above if you need full coverage — you’ll also buy personal injury protection or MedPay, depending on where you live.

Insurance companies usually sell add-ons with which you can customize your GMC auto insurance. Every company is different, but most sell roadside assistance, rental car reimbursement, and GMC gap insurance. If you want to increase your GMC insurance policy’s coverage, ask a representative from your insurance company to see what’s available.

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GMC Auto Insurance Rates

Many factors go into GMC insurance quotes, including age, location, and GMC type. Companies consider the same factors but have unique formulas to set GMC car insurance rates.

While there are exceptions, GMC drivers tend to see higher GMC auto insurance rates than the national average. For example, the average American pays about $119 for full coverage and $45 monthly for liability insurance. Meanwhile, the average GMC driver spends about $145 for full coverage and $38 for liability insurance.

One of the most crucial roles in your insurance rates is which model you drive, with some costing as high as $163 a month. Before you sign up for a GMC insurance policy, explore the average rates below.

GMC Auto Insurance Rates by Company

A good place to start looking for GMC auto insurance is each company’s average cost for coverage. Some companies are consistently more expensive than others. While the most affordable GMC car insurance isn’t necessarily the best, knowing which companies offer the lowest rates is helpful when you want to keep your expenses down.

Since GMC insurance rates are close to the national average, looking at some of the biggest companies’ average rates can be helpful. Check below to compare rates from some of the best auto insurance companies:

Geico, State Farm, and USAA are the cheapest overall auto insurance companies, while Safeco, Liberty Mutual, and Progressive are usually the most expensive. However, these rates are from large, national companies — you might find cheaper coverage with a local option. For example, Wawanesa auto insurance is an affordable option if you’re looking for California auto insurance.

Looking at the average price for each company is a good start, but you should remember that these are just averages. Since companies use unique formulas, you can see different GMC insurance rates based on your circumstances. For example, our Geico auto insurance review showed Geico is normally the cheapest options. However, the company has some of the most expensive auto insurance for drivers with a DUI.

While these rates represent a company’s offerings fairly, you should always get various GMC insurance quotes. For certain factors, some companies are more forgiving than others, so you can see different prices.

GMC Auto Insurance Rates by Model

While GMC insurance rates typically match the national average, that’s not always the case. Some GMC models cost more to insure than others, making it vital to compare auto insurance rates by vehicle make and model. If you’re curious how much you might pay for coverage based on the GMC model, check below:

The Sierra 3500HD has the most expensive GMC auto insurance rates. While there are several reasons for this, it’s primarily due to Sierra’s hefty price tag. On the other end of the scale, the Acadia and Canyon have some of the lowest rates. The Acadia and Canyon are both affordable vehicles with solid safety ratings.

GMC Auto Insurance Rates by Age

There are many factors that affect auto insurance rates for GMCs, but one that significantly impacts them is age. Young, inexperienced drivers will pay more for GMC car insurance because they’re more likely to get into accidents, drive recklessly, and file other claims.

To see how much your age and gender affect GMC auto insurance, check the rates below:

Auto insurance for under 25-year-olds is five times more expensive than for older adults. However, you won’t pay higher rates forever. You’ll see lower GMC insurance rates when you turn 25.

Compare the Auto Insurance Costs Across GMC Models

Delving into the cost of auto insurance across different GMC models unveils notable variations, aiding in the swift identification of optimal coverage options for your vehicle.

Factors Affecting Your GMC Auto Insurance Quotes

Whether you’re buying coverage for a luxury vehicle or need auto insurance for a classic car, the same factors affect your rates. Companies look at the following factors when deciding how much to charge you for your insurance:

• GMC model: You saw rates for several models above, and the GMC you choose to buy plays a significant role in your GMC insurance quotes. Insurance companies look at how much each model costs, its safety ratings, and what type of vehicle it is.
• Age and gender: So, why are auto insurance rates higher for males? Men and young drivers have higher GMC insurance quotes because they’re more likely to get into accidents and file claims. Read more about average auto insurance rates by age.
• Location: Auto insurance companies also track claims filed by location.You’ll see different GMC auto insurance rates by ZIP code due to factors like crime and theft rates.
• Marital status: Single people tend to file more claims than married people. Since married people will likely cost the company less money in claims, they usually get cheaper insurance.
• Credit score: Most states allow insurance companies to use your credit score as part of your rates. Drivers with higher credit scores pay less for auto insurance. Read more about auto insurance and your credit score.
• Driving history: Infractions like speeding tickets, at-fault accidents, and DUIs will drastically affect your rates. You’ll need to find high-risk auto insurance if you have too many incidents on your record.

Your GMC car insurance rates will also vary by how much insurance you want to buy. Drivers who only buy the minimum auto insurance required by their state will pay much less than those needing more coverage. While it costs more, full coverage gives your car much better protection. You’ll benefit from full coverage if you plan to buy or have recently purchased a new GMC.

How to Save on Your GMC Auto Insurance Policy

Drivers already enjoy cheap GMC auto insurance rates by buying a reliable, safe car, but there are always ways to save more. If you’re interested in keeping your GMC insurance as low as possible, try the following tips:

• Consider usage-based insurance. Most major insurance companies offer usage-based auto insurance programs to help low-mileage drivers save. For example, you could save up to 40% on your GMC auto insurance by enrolling in Nationwide SmartRide, which tracks behaviors such as hard braking, speeding, and miles driven.
• Keep your record clean. Driving infractions on your record can have serious consequences for your insurance rates. To find the best GMC auto insurance, avoid getting traffic violations.
• Park in a safe spot. Parking in a safe place helps keep your car out of harm’s way. If you keep your vehicle in a covered garage or private driveway, your GMC insurance company will likely give you a better rate.
• Find discounts. Companies understand that customers need to save every dollar they can, so most offer auto insurance discounts. Common discounts include savings for good drivers, policy bundling, and paying for your entire GMC insurance policy at once.
• Add security. Most companies will give you a discount for installing safety systems, including audible alarms and GPS tracking.

While these are great ways to keep your rates down as much as possible, comparing GMC insurance quotes is the best way to find affordable GMC car insurance. Comparing quotes allows you to see exactly how much each company will charge you for coverage, which makes it simple to pick the lowest price.

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Find the Best GMC Auto Insurance Today

On average, GMC auto insurance costs $145 monthly. While GMC auto insurance quotes are usually a bit higher than the national average, it’s still not hard to find affordable car insurance for your GMC. However, you might see different GMC insurance rates depending on your driving record, demographics, or the model you buy.

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The more companies you compare, the more likely you’ll find the best GMC auto insurance coverage for you.

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