2022 GMC Sierra Car Insurance Calculator

Learn visually how the choices you make impact the insurance cost for a 2022 GMC Sierra. Modify choices like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if the changes you make raise or lower the cost of insurance.

The average estimated car insurance premium for a 2022 GMC Sierra is $2,178 per year, or about $182 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

$2,178

Cost Per Month

$182

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 2022 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.

$2,178
Average Rate
Your Rate
$2,178

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 2022 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 2022 GMC Sierra is $2,178.

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.

2022 GMC Sierra vs. the Large Truck Segment

The table below compares insurance rates for the 2022 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.

2022 GMC Sierra Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,066-$112
2GMC Sierra$2,178--
3Nissan Titan$2,256$78
4Chevrolet Silverado$2,296$118
5Toyota Tundra$2,304$126
2022 Large Truck Average$2,323$145
6Ram Truck$2,438$260
7GMC Hummer EV Pickup$2,722$544

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.

2022 Sierra Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 GMC Sierra Insurance Rates by Trim Level
2022 GMC Sierra Trim Level Annual Premium Cost Per Month
Pro Regular Cab 2WD$1,958$163
Pro Regular Cab 4WD$1,974$165
Pro Double Cab 4WD$2,032$169
Pro Double Cab 2WD$2,064$172
Pro Crew Cab 4WD$2,076$173
Pro Crew Cab 2WD$2,118$177
Elevation Double Cab 2WD$2,134$178
SLE Double Cab 4WD$2,154$180
SLE Crew Cab 4WD$2,190$183
SLE Double Cab 2WD$2,210$184
Elevation Crew Cab 4WD$2,212$184
Elevation Double Cab 4WD$2,230$186
SLT Crew Cab 4WD$2,234$186
SLE Crew Cab 2WD$2,246$187
Elevation Crew Cab 2WD$2,278$190
AT4 Crew Cab 4WD$2,286$191
SLT Crew Cab 2WD$2,298$192
Denali Crew Cab 4WD$2,318$193
Denali Crew Cab 2WD$2,392$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 2022 GMC Sierra for different driver ages.

2022 GMC Sierra Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,894$658
17$7,651$638
18$6,861$572
19$6,232$519
20$4,759$397
21$4,539$378
22$4,055$338
23$3,311$276
24$3,130$261
25$2,536$211
30$2,324$194
35$2,234$186
40$2,178$182
45$2,036$170
50$1,930$161
55$1,804$150
60$1,810$151
65$1,934$161
70$2,090$174
75$2,470$206
80$3,056$255

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.