2013 GMC Sierra Car Insurance Calculator

Find out how changes to different risk factors influence insurance rates for a 2013 GMC Sierra. Make changes to factors like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see if the choices you make are positive or negative.

The average estimated car insurance premium for a 2013 GMC Sierra is $1,578 per year, or about $132 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

$1,578

Cost Per Month

$132

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 2013 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.

$1,578
Average Rate
Your Rate
$1,578

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.

The 'Average Rate' is a combined value for all 2013 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 2013 GMC Sierra is $1,578.

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.

2013 GMC Sierra vs. the Large Truck Segment

The table below compares insurance rates for the 2013 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.

2013 GMC Sierra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ram Tradesman$1,214-$364
2Ford F150$1,460-$118
2013 Large Truck Average$1,520-$58
3Chevrolet Silverado$1,526-$52
4Chevrolet Avalanche$1,564-$14
5GMC Sierra$1,578--
6Nissan Titan$1,582$4
7Toyota Tundra$1,600$22
8Ram Truck$1,632$54

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.

2013 Sierra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 GMC Sierra Insurance Rates by Trim Level
2013 GMC Sierra Trim Level Annual Premium Cost Per Month
WT Regular Cab 4WD$1,326$111
SLE Regular Cab 4WD$1,406$117
WT Extended Cab 4WD$1,406$117
SL Extended Cab 4WD$1,472$123
SLE Extended Cab 4WD$1,472$123
WT Crew Cab 4WD$1,472$123
WT Regular Cab 2WD$1,482$124
SL Crew Cab 4WD$1,502$125
SLE Crew Cab 4WD$1,512$126
SLT Extended Cab 4WD$1,532$128
SLT Crew Cab 4WD$1,552$129
Hybrid 4WD Crew Cab Hybrid$1,592$133
Denali Crew Cab 4WD$1,594$133
SLE Regular Cab 2WD$1,602$134
Hybrid 2WD Crew Cab Hybrid$1,620$135
SL Extended Cab 2WD$1,642$137
SLE Extended Cab 2WD$1,642$137
WT Crew Cab 2WD$1,642$137
WT Extended Cab 2WD$1,642$137
SL Crew Cab 2WD$1,672$139
SLE Crew Cab 2WD$1,682$140
XFE Crew Cab 2WD$1,712$143
SLT Extended Cab 2WD$1,722$144
SLT Crew Cab 2WD$1,752$146
Denali Crew Cab 2WD$1,802$150

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 2013 GMC Sierra for different driver ages.

2013 GMC Sierra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,840$487
17$5,562$464
18$4,801$400
19$4,445$370
20$3,362$280
21$3,207$267
22$2,843$237
23$2,404$200
24$2,249$187
25$1,822$152
30$1,664$139
35$1,628$136
40$1,578$132
45$1,492$124
50$1,420$118
55$1,324$110
60$1,326$111
65$1,406$117
70$1,558$130
75$1,874$156
80$2,312$193

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.