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.
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 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 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.
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 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 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 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 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 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 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.
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.
Avg. Annual Premium
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:
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.
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.
Cost of insuring popular models
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.
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.
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).