2020 GMC Sierra Car Insurance Calculator

Get instant feedback how seemingly small changes impact the insurance cost for a 2020 GMC Sierra. Tweak settings like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover how much and why your choice impacts rates.

The average estimated car insurance premium for a 2020 GMC Sierra is $2,136 per year, or about $178 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

$2,136

Cost Per Month

$178

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 2020 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.

$2,136
Average Rate
Your Rate
$2,136

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 2020 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 2020 GMC Sierra is $2,136.

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.

2020 GMC Sierra vs. the Large Truck Segment

The table below compares insurance rates for the 2020 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.

2020 GMC Sierra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,024-$112
2Toyota Tundra$2,094-$42
3GMC Sierra$2,136--
2020 Large Truck Average$2,137$1
4Nissan Titan$2,158$22
5Ram Truck$2,180$44
6Chevrolet Silverado$2,230$94

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.

2020 Sierra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 GMC Sierra Insurance Rates by Trim Level
2020 GMC Sierra Trim Level Annual Premium Cost Per Month
Crew Cab 4WD$1,928$161
Regular Cab 2WD$1,950$163
Double Cab 4WD$1,990$166
Elevation Double Cab 2WD$2,052$171
SLE Crew Cab 4WD$2,052$171
SLE Double Cab 4WD$2,052$171
Base Double Cab 2WD$2,094$175
Crew Cab 2WD$2,094$175
Elevation Crew Cab 4WD$2,112$176
SLT Double Cab 4WD$2,112$176
Elevation Double Cab 4WD$2,132$178
Base Crew Cab 2WD$2,156$180
SLE Double Cab 2WD$2,156$180
AT4 Crew Cab 4WD$2,176$181
AT4 Double Cab 4WD$2,176$181
SLT Crew Cab 4WD$2,176$181
Elevation Crew Cab 2WD$2,216$185
SLE Crew Cab 2WD$2,216$185
SLT Double Cab 2WD$2,216$185
Denali Crew Cab 4WD$2,238$187
SLT Crew Cab 2WD$2,324$194
Denali Crew Cab 2WD$2,384$199

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 2020 GMC Sierra for different driver ages.

2020 GMC Sierra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,749$646
17$7,508$626
18$6,727$561
19$6,113$509
20$4,669$389
21$4,450$371
22$3,979$332
23$3,248$271
24$3,071$256
25$2,486$207
30$2,276$190
35$2,192$183
40$2,136$178
45$1,998$167
50$1,892$158
55$1,770$148
60$1,774$148
65$1,896$158
70$2,050$171
75$2,424$202
80$3,004$250

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.