2021 GMC Sierra Car Insurance Calculator

Learn in real-time how changes to driver risk factors and vehicle options impact the cost of car insurance for a 2021 GMC Sierra. Update factors like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if rates change for better or worse.

The average estimated car insurance premium for a 2021 GMC Sierra is $2,200 per year, or about $183 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

$2,200

Cost Per Month

$183

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 2021 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.

$2,200
Average Rate
Your Rate
$2,200

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 2021 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 2021 GMC Sierra is $2,200.

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.

2021 GMC Sierra vs. the Large Truck Segment

The table below compares insurance rates for the 2021 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.

2021 GMC Sierra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,084-$116
2Toyota Tundra$2,154-$46
3GMC Sierra$2,200--
2021 Large Truck Average$2,203$3
4Nissan Titan$2,226$26
5Ram Truck$2,258$58
6Chevrolet Silverado$2,296$96

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.

2021 Sierra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 GMC Sierra Insurance Rates by Trim Level
2021 GMC Sierra Trim Level Annual Premium Cost Per Month
Crew Cab 4WD$1,990$166
Regular Cab 2WD$2,008$167
Double Cab 4WD$2,052$171
Elevation Double Cab 2WD$2,118$177
SLE Crew Cab 4WD$2,118$177
SLE Double Cab 4WD$2,118$177
Base Double Cab 2WD$2,156$180
Crew Cab 2WD$2,156$180
Elevation Crew Cab 4WD$2,182$182
SLT Double Cab 4WD$2,182$182
Elevation Double Cab 4WD$2,198$183
Base Crew Cab 2WD$2,222$185
SLE Double Cab 2WD$2,222$185
AT4 Crew Cab 4WD$2,246$187
AT4 Double Cab 4WD$2,246$187
SLT Crew Cab 4WD$2,246$187
Elevation Crew Cab 2WD$2,286$191
SLE Crew Cab 2WD$2,286$191
SLT Double Cab 2WD$2,286$191
Denali Crew Cab 4WD$2,310$193
SLT Crew Cab 2WD$2,396$200
Denali Crew Cab 2WD$2,460$205

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 2021 GMC Sierra for different driver ages.

2021 GMC Sierra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,978$665
17$7,737$645
18$6,941$578
19$6,304$525
20$4,815$401
21$4,590$383
22$4,103$342
23$3,348$279
24$3,168$264
25$2,564$214
30$2,348$196
35$2,262$189
40$2,200$183
45$2,058$172
50$1,950$163
55$1,822$152
60$1,830$153
65$1,956$163
70$2,114$176
75$2,496$208
80$3,090$258

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.