GMC Sierra Insurance Rates

U.S. average auto insurance rates for a GMC Sierra are $1,258 annually for full coverage insurance. Comprehensive insurance costs an estimated $240, collision costs $400, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,720 or more. Teenage drivers pay the highest rates at $4,852 a year or more.

Average premium for full coverage: $1,258

Price estimates broken down by individual coverage:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated GMC Sierra insurance rates for other coverage scenarios.

• The best discount rate is $736
• Using higher $1,000 deductibles will save approximately $146 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,258
• Using more expensive low deductibles for physical damage coverage costs an additional $280 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,720 or more
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,852 or more

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Car insurance prices for a GMC Sierra are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $430 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best GMC Sierra Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the data covered in the above illustrations.

• Consumers who want increased levels of liability coverage will pay an extra $510 annually to increase from a low limit to higher 250/500 limits
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $425 each year
• Drivers age 20 and younger have the highest car insurance prices, as much as $404 a month if comprehensive and collision insurance is included