2016 GMC Sierra Car Insurance Calculator

Watch in real-time how changes to driver risk factors and vehicle options impact car insurance rates for a 2016 GMC Sierra. Customize choices like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2016 GMC Sierra is $1,906 per year, or about $159 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

$1,906

Cost Per Month

$159

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 2016 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.

$1,906
Average Rate
Your Rate
$1,906

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 2016 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 2016 GMC Sierra is $1,906.

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.

2016 GMC Sierra vs. the Large Truck Segment

The table below compares insurance rates for the 2016 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.

2016 GMC Sierra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$1,646-$260
2Nissan Titan$1,746-$160
2016 Large Truck Average$1,809-$97
3Toyota Tundra$1,814-$92
4Chevrolet Silverado$1,866-$40
5Ram Truck$1,878-$28
6GMC Sierra$1,906--

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.

2016 Sierra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 GMC Sierra Insurance Rates by Trim Level
2016 GMC Sierra Trim Level Annual Premium Cost Per Month
WT Regular Cab 4WD$1,670$139
SL Double Cab 4WD$1,734$145
WT Double Cab 4WD$1,734$145
Crew Cab 4WD$1,782$149
SLE Regular Cab 4WD$1,782$149
SLE Crew Cab 4WD$1,830$153
SLE Double Cab 4WD$1,830$153
SLT Double Cab 4WD$1,830$153
WT Regular Cab 2WD$1,872$156
SLT Crew Cab 4WD$1,880$157
Denali Crew Cab 4WD$1,928$161
SL Double Cab 2WD$1,936$161
WT Double Cab 2WD$1,936$161
SLE Regular Cab 2WD$1,984$165
WT Crew Cab 2WD$1,984$165
SLE Crew Cab 2WD$2,032$169
SLE Double Cab 2WD$2,032$169
SLT Crew Cab 2WD$2,082$174
SLT Double Cab 2WD$2,082$174
Denali Crew Cab 2WD$2,210$184

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 2016 GMC Sierra for different driver ages.

2016 GMC Sierra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,075$590
17$6,787$566
18$5,952$496
19$5,460$455
20$4,138$345
21$3,945$329
22$3,506$292
23$2,912$243
24$2,735$228
25$2,212$184
30$2,024$169
35$1,964$164
40$1,906$159
45$1,794$150
50$1,704$142
55$1,592$133
60$1,596$133
65$1,702$142
70$1,868$156
75$2,240$187
80$2,776$231

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.