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Compare Cheap GMC Sierra Insurance Quotes

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.

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
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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 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
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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
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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
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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
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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.

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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