GMC Sierra Car Insurance Calculator

Understand how changing risk factors impact car insurance rates for a GMC Sierra. Experiment with factors like coverage deductibles, age of the driver, policy discounts, and Sierra trim level. Get instant feedback if your rates increased or decreased.

The average estimated car insurance premium for a 2024 GMC Sierra is $2,588 per year, or about $216 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,588

Cost Per Month

$216

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

GMC Sierra Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a GMC Sierra.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,588
Average Rate
Your Rate
$2,588

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year GMC Sierra.

The 'Average Rate' is a combined value for all GMC Sierra trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 GMC Sierra is $2,588.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 GMC Sierra vs. the Large Truck Segment

The table below compares insurance rates for the 2024 GMC Sierra against all other models in the large truck segment. The GMC Sierra is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the GMC Sierra, with green values denoting cheaper rates and red values indicating more expensive rates compared to the GMC Sierra.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 GMC Sierra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Nissan Titan$2,190-$398
2GMC Sierra$2,588--
3Chevrolet Silverado$2,590$2
2024 Large Truck Average$2,596$8
4Ford F150$2,622$34
5GMC Hummer EV Pickup$2,686$98
6Ram Truck$2,708$120
7Toyota Tundra$2,788$200

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Sierra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 GMC Sierra.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 GMC Sierra Insurance Rates by Trim Level
2024 GMC Sierra Trim Level Annual Premium Cost Per Month
Pro Regular Cab 2WD$2,242$187
Pro Double Cab 2WD$2,330$194
Pro Regular Cab 4WD$2,366$197
Pro Crew Cab 2WD$2,372$198
Pro Double Cab 4WD$2,406$201
Pro Crew Cab 4WD$2,454$205
SLE Double Cab 2WD$2,496$208
Elevation Double Cab 2WD$2,524$210
SLE Double Cab 4WD$2,550$213
SLE Crew Cab 2WD$2,552$213
Elevation Crew Cab 2WD$2,578$215
Elevation Double Cab 4WD$2,578$215
SLE Crew Cab 4WD$2,586$216
SLT Crew Cab 2WD$2,598$217
Elevation Crew Cab 4WD$2,610$218
SLT Crew Cab 4WD$2,626$219
Denali Crew Cab 2WD$2,714$226
AT4 Crew Cab 4WD$2,720$227
Denali Crew Cab 4WD$2,754$230
AT4X Crew Cab 4WD$2,826$236
Denali Ultimate Crew Cab 4WD$2,838$237
Denali Ultimate 4WD$2,840$237
EV Denali Edition 1$2,960$247

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 GMC Sierra for different driver ages.

2024 GMC Sierra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,251$771
17$8,981$748
18$8,081$673
19$7,341$612
20$5,623$469
21$5,363$447
22$4,804$400
23$3,924$327
24$3,713$309
25$3,010$251
30$2,762$230
35$2,656$221
40$2,588$216
45$2,416$201
50$2,286$191
55$2,134$178
60$2,142$179
65$2,288$191
70$2,466$206
75$2,900$242
80$3,580$298

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all GMC Sierra trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the GMC Sierra.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average GMC Sierra Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 GMC Sierra$2,588$216
2023 GMC Sierra$2,488$207
2022 GMC Sierra$2,178$182
2021 GMC Sierra$2,200$183
2020 GMC Sierra$2,136$178
2019 GMC Sierra$2,080$173
2018 GMC Sierra$1,964$164
2017 GMC Sierra$1,888$157
2016 GMC Sierra$1,906$159
2015 GMC Sierra$1,644$137
2014 GMC Sierra$1,654$138
2013 GMC Sierra$1,578$132

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all GMC Sierra trim levels for each model year.