Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 2020

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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

There is no need to stress over GMC Sierra insurance rates. Good drivers can save as much as $602 a year by earning policy discounts. Keep reading to learn what else drivers can do to save on insurance rates for a GMC Sierra.

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 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 GMC Sierra 3500HD, Nissan Frontier, and Toyota Tundra.

Vehicle Comprehensive Collision Liability Total
GMC Sierra $336 $594 $372 $1,460
GMC Sierra 3500HD $376 $656 $420 $1,632
Nissan Frontier $294 $500 $420 $1,394
Toyota Tundra $320 $512 $440 $1,452
Chevrolet Colorado $254 $438 $372 $1,222
Honda Ridgeline $306 $536 $450 $1,472
Chevrolet Silverado $322 $562 $420 $1,484
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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?

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

The average GMC Sierra auto insurance rates are higher for newer models. For example, auto insurance for a 2020 GMC Sierra costs $1,460, while 2010 GMC Sierra insurance costs 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 effect on the cost of GMC Sierra car insurance. For example, a 20-year-old driver could pay around $149 more each month for their GMC Sierra car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on GMC Sierra insurance rates. For example, drivers in Los Angeles may pay $541 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on your GMC Sierra auto insurance rates. Teens and drivers in their 20’s see the highest jump in their GMC Sierra car insurance 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
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GMC Sierra Crash Test Ratings

GMC Sierra crash test ratings can impact your GMC Sierra car 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
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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:

    • HD Rear Vision Camera
    • IntelliBeam Headlamps
    • Lane Change Alert with Side Blind Zone Alert
    • Forward Collision Alert
    • Low Speed Forward Automatic Braking
    • Safety Alert Seat
    • Lane Keep Assist with Lane Departure Warning
    • Front and Rear Park Assist

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
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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.

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Ways to Save on GMC Sierra Insurance

You have more options at your disposal to save money on your GMC Sierra auto insurance costs. For example, try taking advantage of the following five strategies to reduce your GMC Sierra car insurance rates

  • Never Drink and Drive Your GMC Sierra
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Check Your GMC Sierra Policy Carefully to Ensure All Information is Correct
  • Get Married and Ask for a Discount
  • Purchase a Roadside Assistance Program for Your GMC Sierra

Top GMC Sierra Insurance Companies

Several insurance companies offer competitive rates for the GMC Sierra based on factors like discounts for safety features. Take a look at these top car 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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Compare Free GMC Sierra Insurance Quotes Online

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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
2
1
2
2
2014
3
3
3
3
2013
2
2
3
3
2012
2
2
3
3
2011
2
2
2
2

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Optional

Land Departure Prevention

Not Available