There are a lot of factors that go into your GMC Sierra car insurance rates. An independent insurance agent can help you understand the local laws and choose options that work best for your situation. You need a policy personalized for your life and vehicle.
Not sure where to find an independent insurance agent in your area?
You can use this find-an-agent tool to be matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your GMC Sierra.
What Kind of Insurance Do You Need for Your GMC Sierra?
Bodily Injury Liability
Bodily injury liability coverage covers medical costs associated with injuries to someone else in an accident you cause. This type of coverage is required in most states.
Property Damage Liability
Property damage liability is required in most places in the United States. It pays for damage to someone else's property that you cause while driving your Sierra.
You can choose to carry only the minimum required amount of liability coverage, but talk with your agent about balancing risk and premium costs.
Medical Payments/Personal Injury Protection
Medical payments and personal injury protection cover medical bills for you and your passengers after a covered accident, regardless of who caused the accident. Instead of waiting for insurance to figure out who was at fault, you can get your medical bills paid right away with this type of coverage.
Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you from the financial problems that come with getting into an accident with someone who doesn't have enough insurance. It can help pay to repair your truck or pay for your medical care after an accident.
Collision insurance coverage pays to fix or replace your truck if you are in a covered accident with another vehicle. Your bank or lease company may require this type of full coverage insurance.
Comprehensive insurance covers damage caused by most things not handled by a collision policy. If your Sierra is stolen or vandalized, or if you hit an animal while driving, your insurance company pays to fix or replace your truck up to its value, minus your deductible.
Replacing your windshield probably won't mean opening an insurance claim, simply because in most cases the bill won't be higher than your deductible. Glass coverage can take care of this for a low monthly premium.
If the outstanding amount of your loan or lease is more than your Sierra's value, gap insurance can help protect your financial interests. If you are in an accident that results in a total loss, your insurance company will pay up to the truck's fair market value. Gap insurance can help you pay off your loan or lease if the settlement isn't enough to cover your debt.
What Affects the Cost of Insurance for Your GMC Sierra?
- Annual mileage: If you drive more than the average of 10,000 to 15,000 miles in a typical year, your premiums may be slightly higher.
- Your driving record: Sierra drivers with a spotless record could pay as much as 40% less than those who if you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations.
- The value of your vehicle:
|Average Annual GMC Sierra Series Insurance Rates by Model Year:|
|2020 GMC Sierra:||$1,592|
|2015 GMC Sierra:||$1,514|
|2010 GMC Sierra:||$1,302|
|2005 GMC Sierra:||$1,130|
Average GMC Sierra Insurance Costs
On average, a 40-year-old GMC Sierra driver pays $1,592 annually for full coverage auto insurance. A liability-only insurance policy costs an average of just $420 per year. Your agent can help you understand how different types of coverage could raise or lower your premiums.
The Safety of Your GMC Sierra
The NHTSA gave the 2020 GMC Sierra with all-wheel drive an overall five-star safety rating. The IIHS gave the Sierra pickup with crew cab "good" ratings in every category except passenger-side overlap. If your GMC Sierra has safety features, be sure to let your agent know so you can take advantage of any available discounts.
How Location Affects Your GMC Sierra Insurance
Where you live affects how much you pay in car insurance premiums.
Here's how average GMC Sierra full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the another:
|Rural Areas||Small Cities||Large Cities|
Additional Factors That Affect Your GMC Sierra Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a GMC Sierra
|Average annual cost to insure a GMC Sierra with full coverage:||$1,332|
|Top 3 most expensive states for GMC Sierra insurance:|
|New Hampshire, Ohio, and Utah||$1,150|
|Top 3 most affordable states for GMC Sierra insurance:|
|Florida, Michigan, and New York||$1,150|
Top Independent Insurance Carriers That Insure the GMC Sierra
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a GMC Sierra Quote
An independent insurance agent can get quotes from multiple reputable insurance companies so you can get the best possible rates for your GMC Sierra insurance. Use the TrustedChoice.com find-an-agent tool to get contact info for an agent in your town. Reach out to an agent right away and get started finding great rates for your GMC Sierra.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver