Best Car Insurance for GMC 2021

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On average, GMC drivers pay $1,572 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Acadia SLE costs $1,706 less more per year to insure than a Terrain SLE.

Here’s what drivers pay when they switch with Jerry

Here are some real quotes from Jerry customers who saved money when insuring their GMC.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
February 8, 2021GMC YukonMesa, AZ26KemperBasic$118/mo.$83/mo.
November 28, 2020GMC Yukon XL K1500Vancouver, WA28EncompassStandard$182/mo.$149/mo.
August 5, 2021GMC Terrain SLEDecatur, GA56NationwideCurrent$245/mo.$187/mo.
March 1, 2021GMC YukonLouisville, KY39State AutoStandard$320/mo.$203/mo.
March 16, 2021GMC Envoy XLDurham, NC22National GeneralBasic$250/mo.$203/mo.

Best insurance carriers for your GMC

Pricing and Reviews

When setting premiums, insurance companies consider factors like your driving history, demographics, and location. But since each company weighs these factors differently in their calculations, your rates could vary significantly between insurers—even for the same coverage.
The cheapest insurer for GMC is Aspire Advantage, with an annual premium of $990.
Other popular carriers for GMC include the following:
Nationwide
Nationwide is a good choice for tech-savvy drivers with a safe driving record. They offer an excellent online platform, mobile app, and website—all of which earns them a rating of 4.6/5 from Jerry.
Progressive
Progressive is one of the top insurance companies out there. With financial strength, a huge array of coverage options, and great discounts and features, it’s typically a good choice for tech-savvy or higher-risk drivers. Jerry gives Progressive a rating of 4.6/5.
Kemper
For high-risk drivers, Kemper is a solid option. It files SR22 forms for drivers who need to provide proof of coverage to the state and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco
Safeco is a safe choice for young drivers who seek affordability. It also has a claims-free cashback program, which gives you a small refund for every six months that you remain claims-free. Jerry rates Safeco 4.5/5.
Allstate
Allstate is one of the most well-known insurers in the country. It has a large network of agents and repair shops and offers lots of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers
Travelers boasts insurance add-ons including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage for their policyholders. The provider also offers plenty of driver discounts to help lower premiums, including for safe drivers and good students. Jerry gives Travelers a 4.7/5 rating.
State Auto
State Auto is a good choice for safe, experienced drivers looking to get the most out of their insurance. The company has a wide variety of coverage options and offers online filing for claims. State Auto gets a 4.1/5 rating from Jerry.
National General
National General specializes in insurance for high-risk drivers. The company also has a claims satisfaction guarantee in most states and will waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland
Dairyland is also a great option for higher-risk drivers. With flexible payment plans, plus 24/7 live claims support in almost 40 states, Jerry rates Dairyland 4.6/5.
Clearcover
Tech-savvy drivers will love Clearcover. It has an award-winning app that lets you file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Jerry rates Clearcover a 4.1/5.

How to compare prices to find the most affordable coverage

Every insurance company has its own formula for determining premiums. This means that if you compare the exact same coverage with two companies, you’ll probably end up with two different quotes.
It’s important to remember that cheapest doesn’t always equal best when it comes to car insurance. Sacrificing the coverage you need in order to save a few bucks each month won’t pay off if you get into an accident and find yourself in a tricky financial situation.
To find the best policy and premium, it’s a good idea to compare quotes from at least three different insurers.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know that it can be pretty miserable.
To make sure you’re getting the right coverage for the best price, comparison- shop with Jerry. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes for you to browse, helps you switch plans, and even cancels your old policy for you.
The average driver saves $879 per year when switching with Jerry.
Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,323.78
2Travelers$1,617.32
3National General$1,618.86
4Progressive$1,656.87
5Kemper$1,723.07
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.

Cost of insuring a GMC

Cost of insuring with minimum coverage and full coverage

The average annual insurance premium for a GMC is $1,565 per year for minimum car insurance and $2,161 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
Your insurance premium for your GMC will depend largely on the kind of insurance you purchase. Remember that each state has its own minimum insurance requirements that you must adhere to.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and per accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident)Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident
It’s usually a good idea to purchase more than just the minimum coverage if you can afford it. Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be held liable for paying the costs out-of-pocket.
If you’re leasing or financing a GMC, you may be required to purchase full-coverage insurance. It’s also a good idea to opt for full coverage if you can’t afford to replace your car in the event that it’s totaled.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
Coverage typeProtection offered
CollisionApplies if you get into a collision with someone else’s vehicle or an object
ComprehensiveApplies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism
Here’s what it costs to insure a GMC with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
GMC$2,561$1,553$2,174$1,279$2,853$1,781

Cost of insuring based on age and driving record

Since insurance companies don’t know you, they rely on things like your age and driving record to give them a sense of your experience and risk level. Younger drivers typically get into more accidents, so they pay more for insurance. Older drivers with more experience tend to have lower rates.
Insurance companies also consider traffic violations when setting premiums. A minor speeding ticket or failure to stop on your record might lead to a small increase in your insurance rate. Serious offenses, like driving under the influence (DUI) and careless driving, have a far more significant impact on your premiums and will remain on your record for many years.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for GMCs by age group:
Key Takeaway Insurance costs for your GMC will vary depending on factors like your driving record, age, and insurance coverage needs.
Since various models have varying repair and replacement costs, the model of GMC you buy will influence your insurance premium. In general, more expensive cars require bigger payouts from insurers—which translates to bigger insurance premiums for you.
But no matter which model you choose, Jerry can help you find big savings on your insurance coverage.
As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from top insurance companies and finalizing your new car insurance. Jerry will even cancel your old policy for you.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country!
If you want to learn more about car insurance costs for some of the most popular makes, check out the links below.
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.

Cost of insuring your GMC by year

Most and least expensive years of car

While everyone loves getting a brand new car, it won’t help you save on insurance costs. Thanks to depreciation, older cars tend to have lower insurance premiums.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace it if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for GMCs are 1991 and 1994.
The most expensive years for GMCs are 2009 and 2015.
Year
Before Jerry
After Jerry
2021$2,221$1,256
2020$2,177$1,226
2019$2,088$1,171
2018$2,332$1,189
2017$2,185$1,184
2016$2,273$1,280
2015$2,169$1,191
2014$2,577$1,338
2013$2,055$1,129
2012$2,421$1,279
2011$2,261$1,257
2010$1,994$1,119
2009$2,221$1,222
2008$2,127$1,202
2007$2,488$1,238
2006$1,990$1,157
2005$1,913$1,122
2004$1,758$1,046
2003$1,362$799
2002$2,407$1,171
2001$2,798$1,008
2000$1,497$755
1999$2,372$941
1998$1,652$1,160
1997$1,816$954
1996$2,543$1,201
1995$2,180$915
1994$2,147$624
1993$928$641
1991$1,668$941
Key Takeaway Since older GMCs typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.

Cost of insuring a GMC in your city

Since different areas have different rates of accidents, crimes, and severe weather events, insurance premiums vary. This means that even within the same state, you’ll find a range of different premiums for the same coverage on the same vehicle.
It’s all about the risk your insurance company has to take on in order to insure your vehicle. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
According to our data, there is a high percentage of GMC drivers in cities including Richmond (TX), Tucson (AZ), Midway (TN), Sheffield Lake (OH) and Belmont (NC).
The cheapest car insurance for GMC for Jerry users is in Sulphur Springs (TX) and Barboursville (WV).
The most expensive car insurance for GMC for Jerry users is in The Bronx (NY) and Jackson (LA).
City
Before Jerry
After Jerry
Richmond
$4,174$1,671
Tucson$2,118$1,647
Midway
$2,400$1,806
Sheffield Lake
$1,368$999
Belmont
$2,700$1,570
Malvern
$2,088$1,730
Bailey
$3,978$1,885
Billings
$4,560$1,615
Rockmart
$3,886$1,306
Houston$2,515$1,879
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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