GMC Sierra Insurance Cost for 2022

How much does GMC Sierra insurance cost? We compared average rates from the base Regular Cab 2WD model up to the loaded Denali Crew Cab to see how prices compared to the half-ton truck competition.

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How much does GMC Sierra insurance cost?

GMC Sierra insurance costs an average of $1,544 a year. Depending on your truck’s trim level, monthly car insurance cost for a 2022 GMC Sierra ranges from $116 to $141 and averages $129 a month.

On average, expect to pay about $100 less annually for GMC Sierra insurance compared to the average rate for all full-size half-ton pickups, and $7 less per year than the all-vehicle national average of $1,551.

The chart below details how average insurance rates on a 2022 GMC Sierra change based on driver age and comprehensive and collision deductibles. The cost estimates range from a low of $1,166 per year for a 60-year-old driver with high policy deductibles to the most expensive rate of $3,600 annually for a driver age 20 with a $250 policy deductible.

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Chart Data Details: Chart shows average insurance cost for a 2022 GMC Sierra with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all GMC Sierra trim levels.Data last updated on April 14, 2022
GMC Sierra Insurance Rate Summary
GMC Sierra Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,608$217
$500$3,090$258
$250$3,600$300
30$1,000$1,360$113
$500$1,626$136
$250$1,904$159
40$1,000$1,298$108
$500$1,544$129
$250$1,798$150
50$1,000$1,188$99
$500$1,408$117
$250$1,638$137
60$1,000$1,166$97
$500$1,382$115
$250$1,610$134

The insurance rates above shows an intentionally limited set of data points from an enormous number of possibilities. If we included every rate for every scenario, including every Sierra pickup trim level and every zip code in the U.S., the resulting chart would have around 1,838,592,000,000 unique insurance rates for a GMC Sierra.

To help you grasp the massive variability in insurance rates, consider that insuring a GMC Sierra pickup truck for only liability insurance in the most affordable parts of Indiana or Virginia may cost as little as $207 a year, while a 16-year-old driver with an accident and a violation in certain areas in New York City may be required to pay as much as $14,430 a year for a policy with full coverage.

That’s a lot of possible rates with a very wide range. We recommend getting some free car insurance quotes in order to find out exactly how much it will cost to insure a Sierra for your location and situation.

The following table shows average GMC Sierra car insurance rates for the 2013 to 2022 model years.

GMC Sierra Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 GMC Sierra$1,544$772$129
2021 GMC Sierra$1,550$775$129
2020 GMC Sierra$1,520$760$127
2019 GMC Sierra$1,506$753$126
2018 GMC Sierra$1,448$724$121
2017 GMC Sierra$1,412$706$118
2016 GMC Sierra$1,456$728$121
2015 GMC Sierra$1,278$639$107
2014 GMC Sierra$1,270$635$106
2013 GMC Sierra$1,206$603$101

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
GMC Sierra Insurance Rates by Model Year

How does GMC Sierra car insurance cost rank?

The GMC Sierra 1500 pickup ranks #2 out of seven comparison vehicles in the 2022 large truck class. The Sierra costs an average of $1,544 per year for full coverage insurance, while the category average is $1,644 annually, a difference of $100 per year.

When compared to other half-ton pickups, insurance for a GMC Sierra costs $82 more per year than the Ford F150, $182 less than the Ram Truck, $82 less than the Chevrolet Silverado, and $84 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.

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Chart Data Details: Average rates are for a 2022 model year GMC Sierra, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all GMC Sierra trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2022
GMC Sierra vs Large Trucks Insurance Rate Comparison
GMC Sierra Insurance Cost Compared to All Large Trucks
Rank Make/Model Insurance Cost Difference
1Ford F150$1,462-$82
2GMC Sierra$1,544--
3Nissan Titan$1,598$54
4Chevrolet Silverado$1,626$82
5Toyota Tundra$1,628$84
6Ram Truck$1,726$182
7GMC Hummer EV Pickup$1,926$382

What is the cheapest GMC Sierra insurance?

The cheapest GMC Sierra model to insure is the Pro Regular Cab 2WD costing an average of $1,386 per year. The second cheapest model to insure is the Pro Regular Cab 4WD at $1,398 per year.

The three most expensive trim levels to insure are the Sierra SLT Crew Cab 2WD, the Denali Crew Cab 4WD, and the Denali Crew Cab 2WD trim levels at an estimated $1,628,  $1,640, and $1,694 per year, respectively.

The table below shows average car insurance cost for all 2022 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.

2022 GMC Sierra Insurance Cost by Trim Level
GMC Sierra Trim Level Annual Policy 6-month Policy Per Month
Pro Regular Cab 2WD$1,386$693$116
Pro Regular Cab 4WD$1,398$699$117
Pro Double Cab 4WD$1,438$719$120
Pro Double Cab 2WD$1,462$731$122
Pro Crew Cab 4WD$1,470$735$123
Pro Crew Cab 2WD$1,500$750$125
Elevation Double Cab 2WD$1,510$755$126
SLE Double Cab 4WD$1,524$762$127
SLE Crew Cab 4WD$1,550$775$129
SLE Double Cab 2WD$1,564$782$130
Elevation Crew Cab 4WD$1,566$783$131
Elevation Double Cab 4WD$1,576$788$131
SLT Crew Cab 4WD$1,580$790$132
SLE Crew Cab 2WD$1,592$796$133
Elevation Crew Cab 2WD$1,612$806$134
AT4 Crew Cab 4WD$1,618$809$135
SLT Crew Cab 2WD$1,628$814$136
Denali Crew Cab 4WD$1,640$820$137
Denali Crew Cab 2WD$1,694$847$141

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 GMC Sierra, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
GMC Sierra Insurance Cost by Trim Level

The rates in the above table are for a new 2022 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$1,170$600
2011 GMC Sierra$1,138$596
2010 GMC Sierra$1,094$590
2009 GMC Sierra$1,058$586
2008 GMC Sierra$1,014$580
2007 GMC Sierra$972$572
2006 GMC Sierra$936$562
2005 GMC Sierra$922$556
2004 GMC Sierra$906$552
2003 GMC Sierra$880$548
2002 GMC Sierra$858$542
2001 GMC Sierra$841$531
2000 GMC Sierra$824$521

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each GMC Sierra model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
GMC Sierra Liability Insurance Rates

Are Sierra insurance rates affected by where I live?

Depending upon where you live, the cost of insurance for a GMC Sierra can vary from cheaper premiums like $1,110 a year in Charlotte, NC, or $968 in Raleigh, NC, to higher rates like $2,930 a year in New York, NY and $3,632 in New Orleans, LA.

Insurance rates in some additional cities include Dallas, TX, at $1,658 per year, Louisville, KY, at an estimated $2,468, El Paso, TX, costing $1,428, and Colorado Springs, CO, at $1,872.

The chart below illustrates average GMC Sierra insurance rates for the 15 largest urban areas in the United States. Additionally, you can view a more comprehensive table that shows costs for the 50 largest metro areas below the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 GMC Sierra, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all GMC Sierra trim levels.Data last updated on February 20, 2022
GMC Sierra Insurance Rates in Large U.S. Cities
GMC Sierra Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$6,080$507
New Orleans, LA$3,632$303
Miami, FL$2,998$250
New York, NY$2,930$244
Philadelphia, PA$2,586$216
Las Vegas, NV$2,580$215
Los Angeles, CA$2,574$215
Louisville, KY$2,468$206
San Francisco, CA$2,212$184
Jacksonville, FL$2,204$184
Oakland, CA$2,200$183
Sacramento, CA$2,080$173
Baltimore, MD$2,032$169
Long Beach, CA$2,016$168
Tulsa, OK$1,970$164
Kansas City, MO$1,956$163
Oklahoma City, OK$1,956$163
Denver, CO$1,918$160
Memphis, TN$1,918$160
Atlanta, GA$1,890$158
Colorado Springs, CO$1,872$156
Fresno, CA$1,846$154
San Jose, CA$1,836$153
Phoenix, AZ$1,784$149
Portland, OR$1,758$147
San Diego, CA$1,746$146
Boston, MA$1,740$145
Wichita, KS$1,690$141
Chicago, IL$1,686$141
Dallas, TX$1,658$138
Houston, TX$1,650$138
Seattle, WA$1,646$137
Minneapolis, MN$1,634$136
Birmingham, AL$1,626$136
Nashville, TN$1,578$132
Milwaukee, WI$1,570$131
Mesa, AZ$1,562$130
Indianapolis, IN$1,560$130
Albuquerque, NM$1,540$128
Tucson, AZ$1,506$126
San Antonio, TX$1,486$124
Omaha, NE$1,440$120
Fort Worth, TX$1,430$119
El Paso, TX$1,428$119
Austin, TX$1,412$118
Cleveland, OH$1,232$103
Columbus, OH$1,166$97
Charlotte, NC$1,110$93
Virginia Beach, VA$1,044$87
Raleigh, NC$968$81

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 $46 and $158 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 ($1,408 per year) and a 20-year-old driver ($3,090 per year) is $1,682, a decrease of 54.4%.
  • Raising deductibles results in a cheaper policy. Increasing deductibles from $500 to $1,000 could save around $246 per year for a 40-year-old driver and $482 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 $254 per year for a 40-year-old driver and $510 per year for a 20-year-old driver.
  • Insurance for teenage drivers is expensive. Average rates for full coverage Sierra car insurance costs $5,566 per year for a 16-year-old driver, $5,214 per year for a 17-year-old driver, and $4,872 per year for a 18-year-old driver.
  • Age and gender affect car insurance rates. For a 2022 GMC Sierra, a 20-year-old male pays an average rate of $3,090 per year, while a 20-year-old female pays an estimated $2,276, a difference of $814 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,408 and female driver rates are $1,378, a difference of only $30.
  • 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 $1,906 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.