GMC Sierra Car Insurance Cost 2025
The average cost of insurance for a GMC Sierra is $1,628 per year. However, your actual premium may vary based on factors like your age, the year of your vehicle, and other individual details. You can refer to our quote tables below to get a more accurate estimate based on your specific situation.
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If you’re considering buying a GMC Sierra, one important factor to think about is the cost of insurance. Insurance is a major part of owning a car, so it’s vital to understand this financial commitment before making your decision. On average, insurance for a GMC Sierra cost $1,628 per year.
Choosing the right insurance is essential to avoid unexpected and costly surprises. You need enough coverage to protect yourself from large out-of-pocket expenses in case of an accident. Being at fault in an accident can also raise your premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Your age, driving history, and location significantly affect your insurance premiums.
How Much Does A GMC Sierra Car Insurance Cost?
Typically, GMC Sierra drivers can expect to pay an average of $1,628 per year for car insurance.
It’s important to understand that car insurance costs can vary significantly based on several factors. These include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Maintaining a clean driving record can help you secure lower premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in an urban area with heavy traffic often leads to higher insurance rates compared to rural areas with less congestion. The type of coverage you select will also impact your premium—comprehensive coverage, which includes both comprehensive and collision protection, typically costs more than minimum liability coverage.
As shown in the table below, the cost of insurance for a GMC Sierra is lower compared to the average cost for all GMC models, though still cheaper than the average cost for all cars.
Insuranceopedia is here to help you compare quotes from various auto insurance providers, making it easier to find the best deal for your specific needs.
| Vehicle | Average Monthly Premium |
| GMC Sierra | $147 |
| All GMCs | $186 |
| All Cars | $175 |
Average Insurance Cost Of GMC Sierra By Model Year
| Model Year | Average Premium |
| 2024 GMC Sierra | $992 |
| 2023 GMC Sierra | $773 |
| 2022 GMC Sierra | $766 |
| 2021 GMC Sierra | $783 |
| 2020 GMC Sierra | $673 |
| 2019 GMC Sierra | $794 |
| 2018 GMC Sierra | $628 |
| 2017 GMC Sierra | $630 |
| 2016 GMC Sierra | $547 |
| 2015 GMC Sierra | $405 |
| 2014 GMC Sierra | $453 |
| 2013 GMC Sierra | $408 |
| 2012 GMC Sierra | $579 |
| 2011 GMC Sierra | $380 |
| 2010 GMC Sierra | $454 |
2024 GMC Sierra Insurance Rates
The average annual insurance cost for a 2024 GMC Sierra is $992. However, National General offers the cheapest rates, averaging $690 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $943 |
| USAA | $1,185 |
| Oregon Mutual | $1,178 |
| Utica National Ins Group | $778 |
| GMAC Insurance Group | $1,172 |
| PEMCO | $891 |
| North Carolina Farm Bureau | $1,003 |
| Unitrin | $1,125 |
| Erie | $950 |
| National General | $690 |
2023 GMC Sierra Insurance Rates
The average annual insurance cost for a 2023 GMC Sierra is $773. However, Kemper Auto | Infinity offers the cheapest rates, averaging $328 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $617 |
| Kemper Auto | Infinity | $328 |
| NatGen Value | $377 |
| PEMCO | $944 |
| Erie | $980 |
| Safeco | $384 |
| Utica National Ins Group | $788 |
| North Carolina Farm Bureau | $1,103 |
| Texas Farm Bureau Group | $843 |
| Capital Insurance Group | $966 |
2022 GMC Sierra Insurance Rates
The average annual insurance cost for a 2022 GMC Sierra is $766. However, American National P offers the cheapest rates, averaging $526 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $826 |
| Buckeye Insurance Group | $552 |
| Mercury Insurance | $962 |
| Western Reserve | $984 |
| Wolverine Mutual | $845 |
| Safeco | $781 |
| AssuranceAmerica | $800 |
| Pekin Insurance | $657 |
| American National P | $526 |
| NatGen Advantage | $728 |
2021 GMC Sierra Insurance Rates
The average annual insurance cost for a 2021 GMC Sierra is $783. However, Dairyland Broadform offers the cheapest rates, averaging $415 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $880 |
| Safeco | $590 |
| NatGen PPA | $774 |
| PEMCO | $1,067 |
| Atlantic States Insurance | $709 |
| Western Reserve | $957 |
| American National P | $798 |
| Buckeye Insurance Group | $767 |
| Concord Group | $870 |
| Dairyland Broadform | $415 |
2020 GMC Sierra Insurance Rates
The average annual insurance cost for a 2020 GMC Sierra is $673. However, Mercury Insurance offers the cheapest rates, averaging $102 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $102 |
| Safeco | $293 |
| Kemper Personal Insurance | $258 |
| Concord Group | $947 |
| NatGen Advantage | $978 |
| Buckeye Insurance Group | $893 |
| PEMCO | $921 |
| NatGen Custom 360 | $795 |
| American National P | $560 |
| North Carolina Farm Bureau | $984 |
2019 GMC Sierra Insurance Rates
The average annual insurance cost for a 2019 GMC Sierra is $794. However, Safeco offers the cheapest rates, averaging $281 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $753 |
| Pekin Insurance | $852 |
| Buckeye Insurance Group | $805 |
| American National P | $650 |
| New York Central Mutual Fire | $953 |
| Safeco | $281 |
| Utica National Ins Group | $810 |
| West Bend Mutual | $997 |
| Concord Group | $887 |
| North Carolina Farm Bureau | $951 |
2018 GMC Sierra Insurance Rates
The average annual insurance cost for a 2018 GMC Sierra is $628. However, Safeco offers the cheapest rates, averaging $249 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $717 |
| North Carolina Farm Bureau | $831 |
| NatGen Custom 360 | $547 |
| Safeco | $249 |
| Mercury Insurance | $774 |
| Nodak Mutual | $777 |
| Utica National Ins Group | $699 |
| Kemper Personal Insurance | $346 |
| American National P | $499 |
| New York Central Mutual Fire | $845 |
2017 GMC Sierra Insurance Rates
The average annual insurance cost for a 2017 GMC Sierra is $630. However, Safeco offers the cheapest rates, averaging $128 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $800 |
| Mercury Insurance | $557 |
| National General RAD | $581 |
| Buckeye Insurance Group | $705 |
| American National P | $771 |
| Kemper Auto | $822 |
| Utica National Ins Group | $611 |
| Safeco | $128 |
| MMG Insurance Company | $780 |
| AssuranceAmerica Mobile Max | $543 |
2016 GMC Sierra Insurance Rates
The average annual insurance cost for a 2016 GMC Sierra is $547. However, Safeco offers the cheapest rates, averaging $255 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $835 |
| SafeAuto | $570 |
| American National P | $472 |
| Buckeye Insurance Group | $668 |
| Kemper Personal Insurance | $160 |
| Safeco | $255 |
| AssuranceAmerica Mobile Max | $623 |
| MMG Insurance Company | $819 |
| Mercury Insurance | $540 |
| Dairyland FR Bond | $531 |
2015 GMC Sierra Insurance Rates
The average annual insurance cost for a 2015 GMC Sierra is $405. However, Jupiter Auto Insurance offers the cheapest rates, averaging $110 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $644 |
| Buckeye Insurance Group | $608 |
| Mercury Insurance | $464 |
| Dairyland Broadform | $450 |
| American National P | $532 |
| Kemper Personal Insurance | $336 |
| Safeco | $245 |
| Dairyland Auto 1 Month | $343 |
| Jupiter Auto Insurance | $110 |
| New York Central Mutual Fire | $420 |
2014 GMC Sierra Insurance Rates
The average annual insurance cost for a 2014 GMC Sierra is $453. However, Jupiter Auto Insurance offers the cheapest rates, averaging $21 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $21 |
| Mercury Insurance | $651 |
| Concord Group | $722 |
| American National P&C | $493 |
| Safeco | $87 |
| SafeAuto | $728 |
| Kemper Personal Insurance | $209 |
| American National P | $502 |
| Utica National Ins Group | $657 |
| NatGen Custom 360 | $459 |
2013 GMC Sierra Insurance Rates
The average annual insurance cost for a 2013 GMC Sierra is $408. However, Jupiter Auto Insurance offers the cheapest rates, averaging $67 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $265 |
| American National P | $451 |
| Rockford Mutual Insurance | $631 |
| Mercury Insurance | $78 |
| SECURA Insurance | $631 |
| Safeco | $214 |
| Buckeye Insurance Group | $652 |
| Kemper Auto | Infinity | $589 |
| Jupiter Auto Insurance | $67 |
| North Carolina Farm Bureau | $556 |
2012 GMC Sierra Insurance Rates
The average annual insurance cost for a 2012 GMC Sierra is $579. However, Safeco offers the cheapest rates, averaging $262 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $630 |
| Rockford Mutual Insurance | $766 |
| North Carolina Farm Bureau | $683 |
| American National P | $528 |
| Pekin Insurance | $660 |
| Mercury Insurance | $534 |
| Buckeye Insurance Group | $616 |
| Union Mutual Fire Group | $506 |
| SECURA Insurance | $600 |
| Safeco | $262 |
2011 GMC Sierra Insurance Rates
The average annual insurance cost for a 2011 GMC Sierra is $380. However, Safeco offers the cheapest rates, averaging $71 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $450 |
| Dairyland Broadform | $461 |
| Dairyland FR Bond | $298 |
| Infinity Special | $354 |
| Safeco | $71 |
| NatGen Custom 360 | $341 |
| Buckeye Insurance Group | $535 |
| American National P&C | $521 |
| Mercury Insurance Company | $327 |
| American National P | $440 |
2010 GMC Sierra Insurance Rates
The average annual insurance cost for a 2010 GMC Sierra is $454. However, Mercury Insurance offers the cheapest rates, averaging $210 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $174 |
| Pekin Insurance | $603 |
| Mercury Insurance | $210 |
| Rockford Mutual Insurance | $579 |
| Kemper Personal Insurance | $315 |
| Safety Group | $608 |
| Concord Group | $606 |
| Buckeye Insurance Group | $298 |
| American National P | $445 |
| West Bend Mutual | $699 |
Find Affordable GMC Sierra Insurance Rates
Is A GMC Sierra Expensive To Insure?
Insuring a GMC Sierra is more affordable than the average cost for all cars. However, the exact amount you’ll pay for coverage depends on several factors, including your age, the vehicle’s age, your location, and other individual circumstances.
Cheapest Car Insurance Companies For A GMC Sierra
If you’re considering a new car insurance policy for your GMC Sierra, it’s helpful to know which companies offer the lowest rates. Ohio Mutual provides the most affordable option, with an average premium of $32 per month. However, insurance rates can vary based on your individual driver profile. To find the best rates tailored to your needs, it’s important to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Ohio Mutual | $32 |
| AnswerFinancial | $45 |
| MetLife | $43 |
| MetroMile | $49 |
| Aspire | $48 |
Common GMC Sierra Insurance Discounts
Discounts can significantly reduce your car insurance expenses. While specific discounts vary by provider, some common options include:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often qualifies you for a reduced rate.
- Pay annually: Paying your entire premium upfront instead of monthly can lead to savings.
- Defensive driving: Completing an approved defensive driving course can make you eligible for discounted rates.
There may be additional discounts you can take advantage of. Consult your insurance agent to explore all the options available to you and identify the ones for which you qualify.
Ways To Save On GMC Sierra Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your GMC Sierra insurance costs. For example, drivers with a speeding ticket can expect to pay approximately $94 per month, while those with multiple accidents face an average of $121 per month. Avoiding these violations can help you maintain lower premiums.
Additionally, low annual mileage can lead to savings on your insurance. GMC Sierra drivers covering 5,000 to 7,500 miles annually typically pay around $70 per month, compared to $80 per month for those driving over 10,000 miles. Less time on the road means a lower risk of accidents, which translates to reduced insurance costs.
Compare GMC Sierra To Other GMC Models
Looking for other GMC model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The sample profile used for this analysis represents a 40-year-old male purchasing full-coverage insurance, including $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the figures presented are general estimates and may vary based on your specific circumstances.
Quotes Analyzed
Brands Reviewed
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FAQs
Do You Need Insurance Before You Can Purchase A GMC Sierra?
Yes, proof of insurance is required before you can drive your GMC Sierra off the dealership lot. It’s recommended to purchase a policy beforehand and inform your insurance provider about your upcoming vehicle purchase. This approach is often more cost-effective than obtaining insurance through the dealership.
How Can You Get The Cheapest Insurance For Your GMC Sierra?
To secure the most affordable rates for your GMC Sierra, it’s essential to shop around and compare quotes from various auto insurance providers. Tools like Insuranceopedia make this process easier by enabling you to compare offers from multiple insurers directly on their website.
