Are GMCs more expensive to insure?
The cost to insure a GMC depends on the car—model, model year, vehicle features—as well as the driver’s profile—age, driving history, location, coverage needs, insurance history, and more.
GMCs are generally known for their durability and reliability and aren’t necessarily more expensive to insure than other vehicles, but some GMCs have features that may increase insurance rates.
Newer and more expensive GMC models will have higher insurance costs than older models with fewer features. You'll also pay more if you have higher coverage needs or a bad driving record.
Compared to the average cost of other cars, GMCs cost 11% less to insure.
Cheapest GMCs to insure
If you want to save money on insurance costs, opting for the fully-loaded top-tier models likely won’t do it. The higher the trim level, the more expensive insurance will be. In general, choosing the base-level GMC models without optional packages and features will help to reduce insurance costs.
The cheapest GMC model to insure is the 2016 GMC Yukon, with an average monthly premium of $20 for state minimum coverage and an average of $188 for full coverage.
Most expensive GMCs to insure
GMC vehicles run across the spectrum when it comes to luxury. The base-level GMC Terrain comes with a fraction of the features of the GMC Yukon Denali Limited. The model you choose—and its price, safety ratings, and features—can make a huge difference to your monthly insurance payments.
The most expensive GMC model to insure is the 2021 GMC Terrain, with an average monthly premium of $176 for state minimum coverage and an average of $181 for full coverage.
Remember that while your model and trim level greatly influence car insurance rates, personal factors like age, driving record, insurance and claim history, location, and coverage needs are also important considerations.
So, if you want to save money on car insurance, shopping around and comparing quotes from several providers can help ensure you’re not overpaying.