2025 Car Insurance Rates for a GMC Sierra: Complete Guide

We compared rate quotes for the Pro Regular Cab 2WD trim level up to the more appointed EV Denali Edition 1 model to find out how insurance rates for the Sierra measure up to similar large trucks.

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How much does GMC Sierra insurance cost?

GMC Sierra insurance costs an average of $2,588 a year. Depending on your truck’s trim level, monthly car insurance cost for a 2024 GMC Sierra ranges from $187 to $247 and averages $216 a month.

On average, expect to pay about $8 less annually for GMC Sierra insurance compared to the average rate for all full-size half-ton pickups, and $367 more per year than the all-vehicle national average of $2,221.

The infographic below details how average insurance rates on a 2024 GMC Sierra change based on driver age and comprehensive and collision deductibles. The cost estimates range from a low of $1,800 per year for a 60-year-old driver with high policy deductibles to the most expensive rate of $6,122 annually for a driver age 20 with a $250 policy deductible.

Average 2024 GMC Sierra car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 GMC Sierra car insurance premiums for different driver ages and policy deductibles. Updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2024 model year GMC Sierra. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 GMC Sierra Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,410$368
$500$5,240$437
$250$6,122$510
30-Year-Old$1,000$2,304$192
$500$2,762$230
$250$3,240$270
40-Year-Old$1,000$2,166$181
$500$2,588$216
$250$3,028$252
50-Year-Old$1,000$1,922$160
$500$2,286$191
$250$2,666$222
60-Year-Old$1,000$1,800$150
$500$2,142$179
$250$2,496$208

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 GMC Sierra. Updated June 27, 2025

Let’s talk about the data shown in the chart above as there are two key points presented.

First, younger drivers pay more for car insurance on any vehicle, not just a GMC Sierra. This is due to their lack of experience and tendency to be involved in more at-fault accidents.

As you age, you gain not only driving experience, but also more responsibility. Trends show that older drivers are less likely to not only get into accidents, but also tend to file fewer claims. This directly results in lower car insurance rates.

Second, the deductible you choose on your policy makes a big difference in the price you pay. If you select a lower deductible like $250, you are placing more burden on your insurance company, which results in higher premiums.

A higher deductible (like $1,000) means you are willing to pay more out-of-pocket if you do have a claim, so you are rewarded with a cheaper rate.

The data in the infographic uses rates based on a 2024 Sierra, but the model year of your vehicle does indeed affect the rate you pay.

The following table shows average GMC Sierra car insurance rates for the 2013 to 2024 model years.

GMC Sierra Insurance Cost for 2013-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 GMC Sierra$2,588$216
2023 GMC Sierra$2,488$207
2022 GMC Sierra$2,178$182
2021 GMC Sierra$2,200$183
2020 GMC Sierra$2,136$178
2019 GMC Sierra$2,080$173
2018 GMC Sierra$1,964$164
2017 GMC Sierra$1,888$157
2016 GMC Sierra$1,906$159
2015 GMC Sierra$1,644$137
2014 GMC Sierra$1,654$138
2013 GMC Sierra$1,578$132

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 GMC Sierra trim levels for each model year. Updated June 26, 2025

Average annual premium and cost per month to insure 2013 to 2024 GMC Sierra models
Average annual premium and cost per month to insure 2013 to 2024 GMC Sierra models

How does GMC Sierra car insurance cost rank?

The GMC Sierra 1500 pickup ranks second out of seven comparison vehicles in the 2024 large truck class. The Sierra costs an average of $2,588 per year for full coverage insurance, while the category average is $2,596 annually, a difference of $8 per year.

When compared to other half-ton pickups, insurance for a GMC Sierra costs $34 less per year than the Ford F150, $120 less than the Ram Truck, $2 less than the Chevrolet Silverado, and $200 less than the Toyota Tundra.

The chart below shows how average Sierra insurance rates compare to the rest of the full-size half-ton truck segment for insurance affordability.

Average 2024 GMC Sierra car insurance premium compared to other large truck models.
Figure 2: Average 2024 GMC Sierra car insurance premium compared to other large truck models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year GMC Sierra. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all GMC Sierra trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

GMC Sierra Insurance Cost Compared to All Large Trucks
Rank Make and Model Annual Premium Difference
1Nissan Titan$2,190-$398
2GMC Sierra$2,588--
3Chevrolet Silverado$2,590$2
4Ford F150$2,622$34
5GMC Hummer EV Pickup$2,686$98
6Ram Truck$2,708$120
7Toyota Tundra$2,788$200

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 vehicle from the 2024 model year. Updated June 27, 2025

What is the cheapest GMC Sierra insurance?

The cheapest GMC Sierra model to insure is the Pro Regular Cab 2WD costing an average of $2,242 per year. The second cheapest model to insure is the Pro Double Cab 2WD at $2,330 per year.

The three most expensive trim levels to insure are the Sierra Denali Ultimate Crew Cab 4WD, the Denali Ultimate 4WD, and the EV Denali Edition 1 trim levels at an estimated $2,838,  $2,840, and $2,960 per year, respectively.

The table below shows average car insurance cost for all 2024 GMC Sierra trim levels and powertrain options. Rates are broken out for annual and 6-month policy terms, as well as the monthly cost for each trim level.

2024 GMC Sierra Insurance Rates by Trim Level
2024 GMC Sierra Trim Level Annual Premium Cost Per Month
Pro Regular Cab 2WD$2,242$187
Pro Double Cab 2WD$2,330$194
Pro Regular Cab 4WD$2,366$197
Pro Crew Cab 2WD$2,372$198
Pro Double Cab 4WD$2,406$201
Pro Crew Cab 4WD$2,454$205
SLE Double Cab 2WD$2,496$208
Elevation Double Cab 2WD$2,524$210
SLE Double Cab 4WD$2,550$213
SLE Crew Cab 2WD$2,552$213
Elevation Crew Cab 2WD$2,578$215
Elevation Double Cab 4WD$2,578$215
SLE Crew Cab 4WD$2,586$216
SLT Crew Cab 2WD$2,598$217
Elevation Crew Cab 4WD$2,610$218
SLT Crew Cab 4WD$2,626$219
Denali Crew Cab 2WD$2,714$226
AT4 Crew Cab 4WD$2,720$227
Denali Crew Cab 4WD$2,754$230
AT4X Crew Cab 4WD$2,826$236
Denali Ultimate Crew Cab 4WD$2,838$237
Denali Ultimate 4WD$2,840$237
EV Denali Edition 1$2,960$247

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. Updated June 27, 2025

Insurance cost by trim level for a 2024 GMC Sierra ranging from the Pro Regular Cab 2WD model at $2,242 per year to the EV Denali Edition 1 model at $2,960
Insurance cost by trim level for a 2024 GMC Sierra ranging from the Pro Regular Cab 2WD model at $2,242 per year to the EV Denali Edition 1 model at $2,960

The rates in the above table are for a new 2024 GMC Sierra, but many older models are roadworthy but may not justify carrying (and paying for) full coverage. The next section details the savings available when insuring your Sierra for liability only.

How much is liability insurance for a GMC Sierra?

Insuring an older model Sierra for only liability insurance could save upwards of $650 a year when compared to the full coverage rate. The table below compares liability-only car insurance rates to full coverage rates for the 2000 to 2012 model years.

GMC Sierra Insurance Rates for 2000 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 GMC Sierra$1,510$748
2011 GMC Sierra$1,456$742
2010 GMC Sierra$1,392$734
2009 GMC Sierra$1,336$728
2008 GMC Sierra$1,286$722
2007 GMC Sierra$1,266$714
2006 GMC Sierra$1,244$708
2005 GMC Sierra$1,200$700
2004 GMC Sierra$1,172$694
2003 GMC Sierra$1,149$680
2002 GMC Sierra$1,126$667
2001 GMC Sierra$1,103$653
2000 GMC Sierra$1,081$640

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Full coverage comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each model year. Updated June 27, 2025

Average cost for full coverage and liability insurance for 2000 to 2012 model year GMC Sierra vehicles
Average cost for full coverage and liability insurance for 2000 to 2012 model year GMC Sierra vehicles

Insurance cost by U.S. city

Depending upon where you live, the cost of insurance for a GMC Sierra can vary from cheaper premiums like $2,172 a year in Charlotte, NC, or $2,012 in Raleigh, NC, to higher rates like $4,204 a year in New York, NY and $3,986 in New Orleans, LA.

Insurance rates in some additional cities include Dallas, TX, at $2,784 per year, Louisville, KY, at an estimated $3,686, El Paso, TX, costing $2,530, and Colorado Springs, CO, at $3,022.

The chart below illustrates average GMC Sierra insurance rates for the thirty largest urban areas in the United States. Additionally, the chart is followed by a table showing both annual and monthly rates by city for a 2024 GMC Sierra.

Average car insurance rates for a 2024 GMC Sierra in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 GMC Sierra in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 GMC Sierra assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

GMC Sierra Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$4,204$350
Philadelphia, PA$3,818$318
Las Vegas, NV$3,810$318
Los Angeles, CA$3,802$317
San Francisco, CA$3,398$283
Kansas City, MO$3,114$260
Oklahoma City, OK$3,114$260
Denver, CO$3,070$256
Memphis, TN$3,070$256
Atlanta, GA$3,040$253
San Jose, CA$2,980$248
Phoenix, AZ$2,922$244
Portland, OR$2,896$241
San Diego, CA$2,882$240
Boston, MA$2,876$240
Chicago, IL$2,816$235
Dallas, TX$2,784$232
Houston, TX$2,774$231
Seattle, WA$2,766$231
Jacksonville, FL$2,712$226
Nashville, TN$2,692$224
Milwaukee, WI$2,684$224
Albuquerque, NM$2,650$221
San Antonio, TX$2,592$216
Omaha, NE$2,540$212
Fort Worth, TX$2,534$211
Austin, TX$2,510$209
Indianapolis, IN$2,360$197
Columbus, OH$2,238$187
Charlotte, NC$2,172$181

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 GMC Sierra and all Zip Codes in each city. Updated June 26, 2025

Additional facts and figures

If you’ve digested all the rate information so far, here are some additional factors that can have an impact on how much you’ll pay to insure your Sierra pickup.

  • Your employment could lower your rates. Many car insurance companies offer policy discounts for working in professions like college professors, lawyers, engineers, emergency medical technicians, architects, and others. If you qualify, you may save between $78 and $228 on your annual car insurance bill, subject to the policy coverages selected.
  • Older drivers tend to pay less than younger drivers. The difference in insurance cost on a Sierra truck between a 50-year-old driver ($2,286 per year) and a 20-year-old driver ($5,240 per year) is $2,954, a decrease of 78.5%.
  • Raising deductibles results in a cheaper policy. Increasing deductibles from $500 to $1,000 could save around $422 per year for a 40-year-old driver and $830 per year for a 20-year-old driver.
  • Decreasing deductibles will cost more. Decreasing your policy deductibles from $500 to $250 could cost an additional $440 per year for a 40-year-old driver and $882 per year for a 20-year-old driver.
  • Insurance for teenage drivers is expensive. Average rates for full coverage Sierra car insurance costs $9,251 per year for a 16-year-old driver, $8,981 per year for a 17-year-old driver, and $8,081 per year for an 18-year-old driver.
  • Age and gender affect car insurance rates. For a 2024 GMC Sierra, a 20-year-old male pays an average rate of $5,240 per year, while a 20-year-old female pays an estimated $3,744, a difference of $1,496 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $2,286 and female driver rates are $2,228, a difference of only $58.
  • It’s expensive to buy high-risk insurance. For a 30-year-old driver, having to buy a high-risk insurance policy can cause a rate increase of $3,218 or more per year. High-risk insurance policies are generally only required if you cannot get coverage in the standard market due to excessive violations or at-fault accidents.

Ryan GrabensteinDuring his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.