The GMC Sierra line of pickup trucks provides a mix of power and speed. The 2026 GMC Sierra 1500 model comes with an impressive max towing capacity of 13,200 lbs and a TurboMax engine with an 8-speed automatic transmission. No matter which type of Sierra you drive, it needs to be protected with the right car insurance.
When you're looking for the best GMC Sierra insurance, an independent insurance agent can help you. These agents know which local insurance companies offer GMC insurance at a great rate. But first, here's a breakdown of how much it costs to insure a GMC Sierra by model year and top-rated insurance company in 2026.
Key Takeaways - GMC Sierra Car Insurance
GMC Sierra insurance costs an average of $2,020 per year, or approximately $168 per month, for full coverage in 2026.
GMC Sierra insurance rates vary considerably by state, with good drivers in Michigan paying an average of $4,973 per year for full coverage, while those in Hawaii pay only $1,150.
Teens and young drivers pay the most, on average, for GMC Sierra insurance, while adults pay the least until they reach age 65, and rates begin to climb again.
Progressive, American Family, and Nationwide are the cheapest carriers for model-year 2025 GMC Sierra 1500 insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique GMC Sierra model.
What Is GMC Sierra Insurance?
GMC Sierra insurance is a special form of car insurance that begins with a basic policy and finishes with custom coverages designed to protect your GMC truck. As a powerful pickup truck, the Sierra may require more coverage than a sedan. However, the GMC Sierra actually costs less to insure than most other trucks.
Recommended coverage options for GMC Sierra drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a GMC Sierra:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed GMC vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- GMC warranty insurance: This can extend GMC's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine GMC parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
A local independent insurance agent can help you compare GMC Sierra car insurance rates in your area. They'll help you find the cheapest insurance for a GMC Sierra.
How Much Does GMC Sierra Insurance Cost?
The average cost of car insurance for a GMC Sierra 1500 is $2,020 per year, or approximately $168 per month, for full coverage. However, several factors can influence the cost of GMC insurance, including:
- The specific type of Sierra you drive
- Your driving history
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Your location
An independent insurance agent can help you find affordable coverage, whether you're looking for GMC Sierra full coverage insurance or a basic GMC Sierra liability insurance policy.
Is the GMC Sierra Expensive to Insure?
No, the GMC Sierra isn't expensive to insure on average. The average monthly cost of GMC Sierra auto insurance is $168, while the average for other vehicles is $175. The Sierra's average car insurance rates are also lower than other vehicles by the same brand. Pickup truck enthusiasts can potentially save money on auto insurance by choosing a GMC Sierra.
| Vehicle | Average Monthly Cost of Car Insurance |
| GMC Sierra | $168 |
| Other GMC Vehicles | $186 |
| All Vehicles | $175 |
GMC Sierra Insurance Costs by Model Year
Next, we'll break down several model years of the GMC Sierra and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 GMC Sierra | $1,815* |
| 2025 GMC Sierra | $1,609 |
| 2024 GMC Sierra | $992 |
| 2023 GMC Sierra | $773 |
| 2022 GMC Sierra | $766 |
| 2021 GMC Sierra | $783 |
| 2020 GMC Sierra | $673 |
| 2019 GMC Sierra | $794 |
| 2018 GMC Sierra | $628 |
| 2017 GMC Sierra | $630 |
| 2016 GMC Sierra | $547 |
| 2015 GMC Sierra | $405 |
| 2014 GMC Sierra | $453 |
| 2013 GMC Sierra | $408 |
| 2012 GMC Sierra | $579 |
| 2011 GMC Sierra | $380 |
| 2010 GMC Sierra | $454 |
*Note: The 2026 GMC Sierra's average insurance rates are based on a projection after evaluating inflation trends and current market data.
Cheapest GMC Sierra Car Insurance Companies for 2026
You can find affordable GMC Sierra insurance from many auto insurance carriers. These top-rated car insurance companies provide the cheapest model-year 2025 GMC Sierra 1500 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,757 |
| American Family | $2,089 |
| Nationwide | $2,124 |
| USAA | $2,351 |
| Erie | $2,699 |
| Allstate | $4,908 |
GMC Sierra Car Insurance Rates by State and Driver Profile
Where you live, your driving history, and your credit can all impact the cost of your GMC Sierra insurance. Here are some average GMC Sierra 1500 car insurance rates by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,631 | $3,822 | $4,864 |
| Alaska | $2,176 | $3,017 | $2,932 |
| Arizona | $2,460 | $3,557 | $5,240 |
| Arkansas | $2,698 | $4,238 | $4,667 |
| California | $3,004 | $5,311 | $3,004 |
| Colorado | $2,803 | $3,923 | $4,977 |
| Connecticut | $3,581 | $5,554 | $7,050 |
| Delaware | $2,965 | $3,951 | $5,075 |
| Florida | $3,530 | $4,883 | $6,363 |
| Georgia | $2,878 | $4,303 | $4,339 |
| Hawaii | $1,150 | $1,560 | $1,150 |
| Idaho | $1,997 | $2,647 | $3,219 |
| Illinois | $2,090 | $3,160 | $3,603 |
| Indiana | $2,148 | $3,283 | $3,684 |
| Iowa | $1,701 | $2,333 | $2,743 |
| Kansas | $2,263 | $3,293 | $3,851 |
| Kentucky | $3,271 | $4,802 | $5,671 |
| Louisiana | $4,200 | $6,348 | $6,883 |
| Maine | $1,588 | $2,195 | $3,241 |
| Maryland | $2,570 | $3,740 | $4,154 |
| Massachusetts | $2,061 | $3,595 | $2,061 |
| Michigan | $4,973 | $7,579 | $11,954 |
| Minnesota | $2,047 | $2,730 | $3,844 |
| Mississippi | $2,471 | $3,525 | $3,548 |
| Missouri | $2,329 | $3,329 | $4,374 |
| Montana | $2,368 | $3,303 | $3,845 |
| Nebraska | $2,001 | $2,960 | $3,215 |
| Nevada | $3,301 | $4,896 | $5,172 |
| New Hampshire | $2,296 | $3,631 | $4,590 |
| New Jersey | $2,530 | $3,969 | $5,194 |
| New Mexico | $2,584 | $3,843 | $3,989 |
| New York | $2,393 | $3,013 | $5,030 |
| North Carolina | $1,484 | $2,549 | $1,818 |
| North Dakota | $2,030 | $3,085 | $3,649 |
| Ohio | $1,810 | $2,792 | $2,863 |
| Oklahoma | $2,891 | $4,139 | $4,660 |
| Oregon | $2,630 | $3,529 | $4,215 |
| Pennsylvania | $2,216 | $3,253 | $3,806 |
| Rhode Island | $3,699 | $5,426 | $6,110 |
| South Carolina | $2,512 | $3,481 | $4,805 |
| South Dakota | $2,254 | $3,248 | $3,747 |
| Tennessee | $2,651 | $3,902 | $5,196 |
| Texas | $2,670 | $3,856 | $4,797 |
| Utah | $2,271 | $3,182 | $4,378 |
| Vermont | $1,748 | $2,692 | $2,845 |
| Virginia | $1,647 | $2,528 | $2,478 |
| Washington | $2,180 | $2,959 | $3,533 |
| West Virginia | $2,193 | $3,141 | $3,935 |
| Wisconsin | $2,187 | $3,413 | $3,893 |
| Wyoming | $2,041 | $2,858 | $3,043 |
Average GMC Sierra Insurance Rates by Driver Age and Profile
Your age is another major factor in calculating car insurance premiums. Around age 25, car insurance rates tend to drop dramatically until the driver reaches about age 65, then gradually climb again.
Also, accidents or other traffic violations can increase your premium rates, as can poor credit. Here are some average GMC Sierra 1500 insurance rates by driver age and profile in 2026.
| Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,839 | $11,511 | $13,466 |
| 20 | $6,041 | $8,870 | $10,377 |
| 25 | $3,539 | $5,197 | $6,080 |
| 30 | $2,757 | $4,048 | $4,736 |
| 35 | $2,582 | $3,792 | $4,436 |
| 40 | $2,483 | $3,647 | $4,266 |
| 45 | $2,416 | $3,548 | $4,151 |
| 55 | $2,216 | $3,254 | $3,807 |
| 65 | $2,312 | $3,395 | $3,971 |
| 75 | $2,918 | $4,285 | $5,012 |
Best GMC Sierra Insurance Discounts: How to Lower Your GMC Sierra Insurance Premiums
Follow any of the simple steps below to potentially start saving a great deal on your GMC Sierra auto insurance:
- Ask about telematics programs: Your insurance company or GMC may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about GMC Sierra insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest GMC Sierra insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing GMC Sierra insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
A local independent insurance agent can help you find the cheapest coverage for your GMC truck. Your agent can help you compare GMC Sierra 1500 insurance costs, GMC Sierra 2500 insurance costs, GMC Sierra 3500 insurance costs, GMC Sierra Denali insurance costs, GMC Sierra AT4 insurance rates, and more, depending on the specific model you drive.
An Independent Insurance Agent Can Help You Get the Best GMC Sierra Insurance Quotes
When it's time to find the most affordable GMC Sierra insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which carriers offer the lowest GMC truck insurance costs, no matter if you drive a GMC Sierra Pro, Sierra SLE, Sierra SLT, Sierra AT4, Sierra Denali, or Sierra Denali Ultimate.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About GMC Sierra Insurance
How much does GMC Sierra insurance cost per year?
The average annual cost of full coverage for a GMC Sierra is $2,020 per year, or approximately $168 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase GMC Sierra insurance premiums?
Having filed past claims, accidents on your record, or living in an area with high theft rates can all increase the cost of GMC Sierra auto insurance.
Is the GMC Sierra expensive to insure?
No, the GMC Sierra is actually cheaper to insure than many other pickup trucks and vehicles in general. While the GMC Sierra's average full coverage rates are just $168 per month, other trucks average $185 per month.
What are the best and cheapest carriers for GMC Sierra insurance in 2026?
We found that Progressive, American Family, and Nationwide are the best and cheapest car insurance companies for model-year 2025 GMC Sierra insurance this year.
How can I get cheaper GMC Sierra insurance?
Finding cheaper GMC Sierra insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/gmc-sierra-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/gmc/sierra-1500/
https://caredge.com/gmc/sierra-1500/insurance