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The average insurance cost for a GMC Sierra in 2025 is $2,590 per year. The GMC Sierra was among the 25 best-selling cars in the U.S., according to Kelley Blue Book.

But no matter whether you bought your GMC Sierra new or used, it’s a big investment – the average new car buyer in the U.S. paid $49,740 in December of 2024, according to the most recent data from Kelley Blue Book. The cost of insuring a car can vary greatly, so be mindful of how much car insurance costs if you want to stay within a monthly budget.

Key Takeaways

  • The annual average nationwide rate for a GMC Sierra is $2,590.
  • Nationwide offers the cheapest car insurance for a GMC Sierra.
  • Full coverage car insurance for a GMC Sierra is $73 less than the nationwide average of $2,663 per year.
Average Insurance Rates

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How much does it cost to insure GMC Sierra?

Full coverage car insurance for a GMC Sierra is $73 less than the nationwide average of $2,663 per year. Full coverage comprises liability insurance, comprehensive and collision and is much more expensive than liability coverage alone.

The age of your vehicle and its make, model and trim all affect car insurance rates, in addition to personal factors about the driver(s), homeowner status and location.

The table below shows annual rates for full coverage car insurance for a GMC Sierra.

Graph
Table
ModelAverage full coverage cost annuallyAverage full coverage cost monthly
GMC Sierra 1500$2,490$207
GMC Sierra HD$2,651$221

Gmc-Sierra insurance cost

$207 per month
car image$2,490 per year

Car insurance cost for a GMC Sierra by age

Cost of GMC Sierra insurance for 18-year-olds

Insurance rates vary significantly by age. Teens pay the highest rates for car insurance because they are riskier drivers and have less experience driving.

Car insurance for an 18-year-old driving a GMC Sierra costs $9,520 per year. The table below shows the cost of car insurance for an 18-year-old driving a GMC Sierra.

ModelAverage annual full coverage costAverage monthly full coverage cost
GMC Sierra 1500$9,085$757
GMC Sierra HD$9,785$815

GMC Sierra auto insurance cost, by state

Car insurance rates vary significantly by state. State laws and a state’s no-fault vs. tort classification all affect how much folks pay for car insurance in a state and individual factors.

Full coverage car insurance for a GMC Sierra costs $2,590 per year. See the annual and monthly rates by state for a GMC Sierra in each state in the table below.

Graph
Table
State nameAnnual premiumMonthly premium
Alaska$2,520$210
Alabama$2,464$205
Arkansas$2,830$236
Arizona$2,515$210
California$3,180$265
Colorado$3,407$284
Connecticut$2,596$216
Washington, D.C.$3,088$257
Delaware$2,549$212
Florida$3,091$258
Georgia$3,266$272
Hawaii$1,584$132
Iowa$2,270$189
Idaho$1,706$142
Illinois$2,571$214
Indiana$2,375$198
Kansas$2,741$228
Kentucky$3,122$260
Louisiana$4,115$343
Massachusetts$2,304$192
Maryland$2,414$201
Maine$1,752$146
Michigan$3,182$265
Minnesota$2,848$237
Missouri$3,154$263
Mississippi$2,675$223
Montana$2,848$237
North Carolina$1,935$161
North Dakota$2,395$200
Nebraska$2,854$238
New Hampshire$1,861$155
New Jersey$2,341$195
New Mexico$2,686$224
Nevada$2,454$204
New York$1,923$160
Ohio$1,990$166
Oklahoma$2,835$236
Oregon$2,459$205
Pennsylvania$2,709$226
Rhode Island$3,098$258
South Carolina$2,474$206
South Dakota$3,253$271
Tennessee$2,825$235
Texas$3,684$307
Utah$2,141$178
Virginia$1,963$164
Vermont$1,782$149
Washington$2,090$174
Wisconsin$2,026$169
West Virginia$2,507$209
Wyoming$2,667$222
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

10 most expensive states for car insurance for a GMC Sierra

The most expensive states for full coverage car insurance for a GMC Sierra are as follows:

StateAvg. Annual premiumAvg. Monthly premium
Louisiana$4,115$343
Texas$3,684$307
Colorado$3,407$284
Georgia$3,266$272
South Dakota$3,253$271
Michigan$3,182$265
California$3,180$265
Missouri$3,154$263
Kentucky$3,122$260
Rhode Island$3,098$258

10 cheapest states for car insurance for a GMC Sierra

The cheapest states for full coverage car insurance for a GMC Sierra are as follows:

StateAvg. Annual premiumAvg. Monthly premium
Hawaii$1,584$132
Idaho$1,706$142
Maine$1,752$146
Vermont$1,782$149
New Hampshire$1,861$155
New York$1,923$160
North Carolina$1,935$161
Virginia$1,963$164
Ohio$1,990$166
Wisconsin$2,026$169

GMC Sierra insurance cost, by city

Car insurance rates for a GMC Sierra also vary based upon your location. In the top 10 U.S. cities (by population), rates for a GMC Sierra range from $2,558 in New York, New York to $4,251 in Los Angeles, California. See more rates in the top 10 cities in the table below.

StateCityAverage annual full coverage premium
New YorkNew York$2,558
CaliforniaSan Jose$2,784
IllinoisChicago$2,874
ArizonaPhoenix$3,315
TexasSan Antonio$3,664
TexasHouston$4,047
PennsylvaniaPhiladelphia$4,109
CaliforniaLos Angeles$4,251

Car insurance cost for a GMC Sierra, by company

Car insurance rates also vary by company – each insurer has a proprietary rating algorithm that sets rates based on risk. So, insurance for a GMC Sierra may be more expensive from one insurer than another, so you get quotes from several insurers before committing to a policy.

“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “Certain models and trims – for example, a brand-new fire-engine red convertible sports car – turn out to be more risky to the insurance company than a 15-year-old sedan that can barely top out at 65 mph.”

See insurance rates for a GMC Sierra from several insurers in the table below.

Company-wise average rates for insuring a GMC Sierra

Graph
Table
CompanyAverage annual premiumAverage 6-month premiumAverage monthly premium
Nationwide$2,042$1,021$170
State Farm$2,155$1,077$180
GEICO$2,190$1,095$183
Progressive$2,614$1,307$218
Farmers$3,006$1,503$250
Allstate$3,559$1,779$297

This model is one of the most popular cars in 2023, according to Kelley Blue Book. Here’s a list of the top 25 best-selling vehicles of 2023:

  1. Ford F-Series
  2. Chevrolet Silverado
  3. Ram Pickup
  4. Toyota RAV4
  5. Tesla Model Y
  6. Honda CR-V
  7. GMC Sierra
  8. Toyota Camry
  9. Nissan Rogue
  10. Jeep Grand Cherokee
  11. Toyota Tacoma
  12. Tesla Model 3
  13. Toyota Corolla
  14. Chevrolet Equinox
  15. Hyundai Tucson
  16. Honda Civic
  17. Honda Accord
  18. Ford Explorer
  19. Toyota Highlander
  20. Subaru Outback
  21. Subaru Crosstrek
  22. Jeep Wrangler
  23. Mazda CX-5
  24. Subaru Forester
  25. Ford Escape

Car insurance averages by make and model

Car insurance rates vary by make and model. In general, cars that are more expensive – think luxury vehicles, EVs and sports cars – are more expensive to insure. Cars with smaller engines and a lot of safety features are cheaper to insure.

See the average annual full coverage rates for the top 25 most popular vehicles in 2023 in the table below.

ModelAverage annual full coverage premium
Ford F-Series$2,481
Chevrolet Silverado$2,491
Ram Pickup$2,537
Toyota RAV4$2,159
Tesla Model Y$3,529
Honda CR-V$2,037
GMC Sierra$2,590
Toyota Camry$2,400
Nissan Rogue$2,314
Jeep Grand Cherokee$2,470
Toyota Tacoma$2,345
Tesla Model 3$3,466
Toyota Corolla$2,351
Chevrolet Equinox$2,090
Hyundai Tucson$2,130
Honda Civic$2,410
Honda Accord$2,342
Ford Explorer$2,357
Toyota Highlander$2,292
Subaru Outback$2,042
Subaru Crosstrek$2,064
Jeep Wrangler$2,193
Mazda CX-5$2,021
Subaru Forester$2,013
Ford Escape$2,133

Which body styles are cheaper or more expensive for car insurance?

Sedans tend to be more expensive to insure than trucks or SUVs for several reasons – they’re a higher theft risk and they’re smaller than SUVs and trucks, so they are more likely to be damaged in a crash with a larger vehicle.

Below, see annual rates for full coverage for sedans, SUVs and trucks.

Style typeAverage annual premiumAverage monthly premium
Convertible$3,628$302
Coupe$3,838$320
Hatchback$2,661$222
Pickup$2,669$222
Sedan$3,222$268
SUV$2,553$213
Van$2,208$184
Wagon$2,840$237

How does my car’s trim level affect car insurance?

A car’s trim level can significantly impact insurance rates due to the varying features of each package. Higher trim levels often include powerful engines and luxury options that could increase the vehicle’s value and the cost to insure it.

“Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future payout from the insurance company,” Brau says. “Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Additionally, advanced safety features in upper trim levels may lower rates, while customizations and added performance capabilities typically raise them due to higher repair costs. Insurers consider all these factors when determining premiums, making the trim level a crucial variable in the cost of car insurance.

See the trim levels of a GMC Sierra and their full coverage premiums in the table below.

Trim LevelAnnual full coverage preimum
Sierra 1500 AT4$2,557
Sierra 1500 AT4-X$2,611
Sierra 1500 Denali$2,610
Sierra 1500 Denali Ultimate$2,606
Sierra 1500 Elevation$2,519
Sierra 1500 Elevation-L$2,641
Sierra 1500 Pro$2,380
Sierra 1500 SLE$2,447
Sierra 1500 SLT$2,498
Sierra 2500HD AT4$2,695
Sierra 2500HD AT4X$3,036
Sierra 2500HD Denali$2,773
Sierra 2500HD Denali Ultimate$2,942
Sierra 2500HD Pro$2,548
Sierra 2500HD SLE$2,516
Sierra 2500HD SLT$2,642
Sierra 3500HD AT4$2,879
Sierra 3500HD Denali$2,977
Sierra 3500HD Denali Ultimate$3,072
Sierra 3500HD Pro$2,666
Sierra 3500HD SLE$2,653
Sierra 3500HD SLT$2,883

How to save on car insurance for a GMC Sierra

Are you paying for more coverage than you need? Depending on your driving habits, you may not require the maximum coverage for areas such as collision or comprehensive. If you have an older car, scaling back on full coverage is an option. However, tread carefully; reducing coverage significantly could expose you to risk.

Other ways to save on car insurance for a GMC Sierra:

  • Shop your coverage every six months or annually before your policy renews
  • Increase your deductible if you have savings to cover it
  • Drive safely to avoid violations
  • Maintain a good credit score
  • Bundle home and auto policies

GMC Sierra discounts on car insurance

Certain safety features can mean significant savings. From anti-lock brakes to airbags and even high-tech systems like lane departure warnings, the safer your car is, the less you’ll likely pay for insurance.

In addition to vehicle discounts, drivers may qualify for the following discounts:

  • Telematics discounts
  • Multiple policies
  • Loyalty
  • Good driver/safe driver
  • Good student
  • Savings for driving less/low annual mileage
  • Senior discount
  • Educational/professional discounts
  • Signing early/paying in full
  • Paperless/autopay
expert

What our expert says

Q: Why do car insurance rates vary by vehicle model and trim level?

expert-image
Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University
“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Resources & Methodology

Sources:

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

40-year-old male

Our hypothetical driver

100/300/100

Full coverege rates

6

Major carriers in the U.S.

author image
Laura Longero
Executive Editor

 
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Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.

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