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The average cost of GMC car insurance is $0 per year. But the exact cost of GMC insurance varies based on your vehicle model, driving record, coverage needs, and zip code—and your insurance company.
When finding the right car insurance for your GMC, there are plenty of providers to choose from—and no single company will be the perfect fit. For example, a driver with a 2009 GMC Sierra and a few traffic citations might need different insurance than someone with a brand new GMC Acadia and a perfect driving record—and based on their profiles, both drivers will find different quotes. So how do you find cheap car insurance to protect your GMC?
It’s simple: shop around with Jerry. As the #1-rated and most trustworthy insurance comparison app, Jerry finds you the right car insurance coverage for the right price. In this article, we’ll dig into all the factors that affect the cost of GMC insurance and give you some great tips to help you find the best (and most affordable) car insurance quotes.
How much does GMC car insurance cost?
The average annual cost of car insurance for a General Motors vehicle is $0 Insurance rates for your GMC will vary between models, but also based on your age, driving record, credit score, coverage requirements, and location.
Generally speaking, GMC insurance is relatively affordable for most people for a few reasons:
GMC vehicles have a low cost of repairs and are relatively affordable to maintain
GMCs tend to have higher-than-average safety and crash test ratings due to their larger size and a suite of advanced safety and driver assist features
They earn high reliability ratings from J.D. Power, which means fewer GMC insurance claims and lower depreciation
Theft rates for GMCs are low, which keeps insurance claims down
Factors don’t apply across the board. For example, your GMC's age can significantly influence how much you pay for insurance. Likewise, a full-loaded GMC with all the bells and whistles may also cost more for insurance, as specialty parts can be more challenging to replace. Safety features also significantly influence the cost of insurance, as more advanced safety and driver-assist features mean a lower risk of accidents.
If you want to be confident that you’re getting the best rate for GMC car insurance, there’s only one way to do it: compare quotes from several different insurance providers. That’s exactly what Jerry does! In less than a minute, Jerry compares rates from over 50 leading insurers to find you the most affordable quotes tailored to your needs. Rather than spending hours searching for quotes and weighing the pros and cons, let Jerry do the hard work so that you can sit back and save.
Ready to see what kind of GMC insurance quotes Jerry can find you? Check out the table below—and see what real Jerry customers say!
If you've purchased insurance that meets the legal minimum state requirement, you’re ready to hit the ground running—but just because you’ve met the minimum doesn’t mean you have all the coverage you need.
Although sticking to the legal minimum is sufficient for some people—especially those with older vehicles—it doesn’t always offer complete protection on newer vehicles. Most insurers recommend tacking on collision insurance and comprehensive coverage.
By bundling collision and comprehensive, you’ll have a full-coverage car insurance policy for your GMC that protects you against accident-related damage, severe weather, theft, vandalism, falling objects, and a host of other threats. If you’ve financed or leased your vehicle, these may even be a requirement from your lender.
GMC car insurance rates by model
One of the most significant factors influencing GMC vehicles' auto insurance rates is the model you drive. Generally speaking, smaller and less expensive vehicles will have lower insurance rates, whereas larger, top-of-the-line models will run insurance costs up.
GMC doesn’t offer sedans or hatchbacks. This means insurance rates may be higher than makes that offer compact sedans and crossovers.
But insurance is never as simple as smaller vehicle, smaller insurance cost. Let’s look at average annual car insurance premiums for some of the most popular GMC models and see how the model could influence your insurance premium.
How much does GMC Sierra insurance cost?
The GMC Sierra—1500, 1500 Limited, and HD—is the manufacturer's largest, most powerful, and most durable vehicle—and also one of the most expensive GMC models to insure. Because of its large size, high price range, and serious durability (some models can tow up to 36,000 pounds!) insurance typically runs higher than other vehicles in the GMC lineup. It also tends to be pricier than other pickup truck manufacturers like Ford and Chevrolet and Japanese brands like Toyota, Honda, and Nissan.
Check out the table below for a glimpse at how average premiums for Sierra drivers vary based on coverage options and the age of the vehicle.
The Terrain is GMCs mid-range compact SUV, so you can expect GMC Terrain insurance rates to be slightly cheaper than a full-size Sierra pickup. With high reliability scores and great safety ratings, insuring the GMC Terrain shouldn’t break the bank. But the trim level you choose will influence how much you pay for insurance, as the Denali comes with a heftier price tag than the SLE or SLT.
Curious about how full and minimum coverage rates for different Terrain model years compare? Check out the table below.
2019 Gmc Terrain Sle
2016 Gmc Terrain Sle
2015 Gmc Terrain Sle
2014 Gmc Terrain Sle
2012 Gmc Terrain Sle
Model year isn’t the only thing that influences the cost of Terrain car insurance—your driving history does, too. Here’s what drivers with violations paid for the same insurance for a GMC Terrain.
GMCs mid-size SUV hides its family-friendly nature behind a veil of ruggedness to offer the same practicality of a minivan with none of the status. It’s large, spacious, and earned a 5-star NHTSA safety rating, making it one of the top choices for anyone looking for the car-buyer trifecta: safe, reliable, and efficient.
Here’s the breakdown of average annual premiums for Acadia owners by model year and coverage type.
The slightly smaller but equally as practical GMC Canyon is just a step under the best-selling Sierra. It’s the perfect pick for anyone looking for the same durability and functionality as a full-size pickup—without the size or cost commitments. And this mid-size pickup also offers some of the lowest insurance rates of the GMC lineup, thanks to its smaller size and affordable pricing. However, it falls behind in safety and driver assist technologies, which may hike rates up above its competitors.
Remember, you can pay a different rate for your Canyon insurance based on your age, driving history, and coverage requirements.
If you’re not a minivan fan but need the space to haul people and cargo, it’s hard to beat GMCs largest pickup, the Yukon. It’s a solid, full-size SUV that comes in the standard wheelbase and a longer Yukon XL, offering no shortage of power, practicality, and space.
Remember, how much you’ll pay for your Yukon’s insurance will be largely dictated by what trim level you choose. The fully loaded Denali insurance cost tends to be, well, more fully loaded.
With access to the internet and a quick search, finding a car insurance quote online is quick and easy—but finding a quote customized to your driver profile isn’t. If you’re not keen on spending hours scrolling through pays of general quotes, there’s a simple solution: Jerry.
As the #1-rated trustworthy insurance comparison app, Jerry compares rates from the top insurance providers for GMC vehicles in under a minute. Yep, you read that right—it’s that fast. And because Jerry is a licensed broker, you can feel confident that you’re getting only the best and most reliable quotes.
All it takes is one minute to find and compare GMC insurance rates with Jerry and it could amount to major savings.
Best car insurance companies for your GMC
GMC owners may find some of the best insurance rates from providers like Nationwide, Progressive, Safeco, Allstate, and Travelers—but no sole provider will offer the cheapest and most competitive rate for all GMC vehicles.
Why? Each insurance provider operates on a different algorithm to calculate insurance premiums. One provider may place more emphasis on vehicles with safety features, whereas another may weigh your driving history heavier, giving a lower rate to people who have maintained a clean, accident-free record.
The only accurate way to find out which company offers the best insurance rate for your GMC is to shop around and compare offers. And if you need a hand, Jerry has your back! In under a minute, Jerry compares quotes from over 55 top insurance providers to get you the best quotes customized to you and your GMC’s needs.
Check out how different insurance providers quote for GMC vehicles in the table below—and see just how much Jerry could save you!
What GMC model you drive isn’t the only influencing factor in the cost of insurance—your driving history is also a big variable.
If you’re a safe driver, you’ll pay less for insurance. While major violations like a DUI or distracted driving ticket will skyrocket your insurance rates, even a minor offense like speeding can still have an impact.
GMC owners with a DUI conviction on their driving record can expect to pay $0 more per year for car insurance, while a simple speeding ticket can add an average of $1,579 to your annual rate.
Use the table below to estimate how much you could save on GMC insurance by driving defensively and maintaining a clean driving record.
Last but not least, we have to consider your location and zip code. Because insurance rates vary between states regardless of your vehicle make, GMC owners in New York will be a different rate than GMC owners in Arizona.
Curious to know how your rates compare to your state’s average? Take a look at the table below.