Best GMC Sierra Car Insurance Quotes (2024)
The average GMC Sierra insurance cost for full coverage is $122/mo while mature drivers with good driving records may find GMC Sierra insurance rates as low as $71.50/mo. Use our comparison tool below to shop around for multiple GMC Sierra insurance quotes.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 a little less than the average vehicle in the country with full coverage car insurance costing around $1,460 a year or $122 a month. Drivers of an older GMC Sierra may choose to get liability-only coverage which costs around $585 a year or $49 a month.
Good drivers are eligible for up to $602 in discounts for being safe out on the road. Let’s take a quick look at the GMC Sierra insurance cost, safety ratings, and more.
We’ll answer your questions from “are GMC Sierras reliable” to “are trucks expensive to insure” and everything in between. 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 car 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 Dodge Ram, GMC Sierra 2500HD, and Nissan Frontier.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| Nissan Frontier | $294 | $500 | $420 | $1,394 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| GMC Sierra 3500HD | $376 | $656 | $420 | $1,632 |
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?
You might have noticed that there is a multitude of factors that impact GMC Sierra car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the GMC Sierra.
Age of the Vehicle
Older GMC Sierra models generally cost less to insure. For example, insurance on a 2020 GMC Sierra is $1,460, while insurance on a 2015 GMC Sierra rates are $1,382, a difference of $78. Go back even further and the insurance on a 2010 GMC Sierra is $1, 184, $276 less than the 2020 model.
| 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 the cost of GMC Sierra auto insurance. For example, 20-year-old drivers pay as much as $1,850 more each year for their GMC Sierra auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on GMC Sierra insurance rates. For example, drivers in Houston may pay $1,076 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on the cost of GMC Sierra car insurance. Teens and drivers in their 20’s see the highest jump in their GMC Sierra car insurance rates with violations on their driving record.
GMC Sierra Safety Ratings
Your GMC Sierra car insurance rates are tied to 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
Good GMC Sierra crash test ratings can lower your GMC Sierra auto insurance rates. See GMC Sierra crash test results below:
| 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
The safety features of the GMC Sierra can impact your GMC Sierra car insurance rates. The GMC Sierra has the following safety features:
- Rearview camera
- Teen driver system
- Automatic high-beam headlights
- Adaptive cruise control
- Lane keep assist
- Lane departure warning
- Lane change alert
- Blind-spot monitoring
- Rear cross-traffic alert
- Front and rear parking sensors
- Forward collision warning
- Low-speed forward automatic braking
- Pedestrian detection
GMC Sierra Insurance Loss Probability
The lower percentage means lower GMC Sierra car insurance rates; higher percentages mean higher GMC Sierra auto insurance rates. Insurance loss probability on the GMC Sierra fluctuates between 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 | |
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
Although it may seem like your GMC Sierra car insurance rates are set, there are a few measures that you can take to secure the best GMC Sierra car insurance rates possible. Take a look at the following five ways to save on GMC Sierra auto insurance.
- Bundle Your GMC Sierra Auto Insurance with Home Insurance
- Make Sure You’re Raising a Safe Driver
- Be Picky About Who Drives Your GMC Sierra
- Buy An Older GMC Sierra
- Move to an Area with Better Weather
Top GMC Sierra Insurance Companies
Who is the best company for GMC Sierra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Sierra insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Sierra offers.
| 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 | |||
Compare Free GMC Sierra Insurance Quotes Online
To start comparing GMC Sierra car insurance quotes for free, use our online car insurance comparison tool.
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Frequently Asked Questions
What is the GMC Sierra?
The GMC Sierra is a line of pickup trucks manufactured by General Motors.
What is the best car insurance for GMC Sierra?
The best car insurance for a GMC Sierra will vary depending on your personal circumstances, such as your driving record, location, and coverage needs. It’s important to shop around and compare quotes from multiple insurance providers to find the best policy for you.
What factors affect car insurance rates for a GMC Sierra?
Several factors can affect car insurance rates for a GMC Sierra, including the model and year of the vehicle, your driving record, your age and gender, your location, the level of coverage you choose, and your deductible.
What type of coverage should I get for my GMC Sierra?
The type of coverage you should get for your GMC Sierra depends on your individual needs and preferences. However, it is generally recommended that you have liability coverage, which is required by law in most states, as well as collision and comprehensive coverage to protect your vehicle.
How can I save money on car insurance for my GMC Sierra?
You can save money on car insurance for your GMC Sierra by taking advantage of discounts, such as safe driver discounts, multi-policy discounts, and anti-theft device discounts. Additionally, you can increase your deductible or reduce your coverage limits to lower your premiums, but make sure you have enough coverage to protect yourself financially in case of an accident.
Should I get car insurance from the dealership where I purchased my GMC Sierra?
While it may be convenient to get car insurance from the dealership where you purchased your GMC Sierra, it is often more expensive than getting quotes from multiple insurance providers. It’s always a good idea to shop around and compare rates to find the best policy for your needs and budget.
Can I get discounts on car insurance for my GMC Sierra if I have safety features installed?
Yes, many insurance providers offer discounts for safety features installed in your GMC Sierra, such as anti-lock brakes, airbags, and anti-theft devices. Be sure to ask your insurance provider about available discounts for safety features.
What should I do if I get into an accident with my GMC Sierra?
If you get into an accident with your GMC Sierra, the first thing you should do is check for injuries and call emergency services if necessary. Then, exchange information with the other driver and take photos of the damage. Finally, contact your insurance provider to report the accident and begin the claims process.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.