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GMC Sierra car insurance rates

What to consider when insuring this light-duty pickup

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Until recently, the GMC Sierra was nearly identical to the Chevrolet Silverado. With the rollout of the 2019 model, GMC introduced features to set the two apart, like a two-piece tailgate, carbon fiber bed, unique exterior styling and more.

The new Sierra has an average insurance cost of $1,300, but can vary based on the features you select.

ModelMonthly insurance rateBase car price
Acadia Limited$133$43,850
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.

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How do I compare insurance for the GMC Sierra?

The GMC Sierra is a durable pickup truck that can handle both work and recreational use. The cost of insurance varies depending on the provider and how they calculate premiums, but most providers take into account these factors for GMC Sierra car insurance rates:

  • Body type. Pickup trucks like the Sierra are often safer and more durable than sports cars and other two-door cars, which could contribute to lower insurance rates.
  • Fuel. The Sierra is available with a gas or diesel engine, with the gas version being slightly cheaper to insure.
  • Theft rates. Older models of the GMC Sierra and Chevrolet Silverado had high theft rates, which could increase the cost of coverage.
  • Repair costs. Maintenance and repairs on this vehicle are fairly standard, so expect to get lower insurance rates compared to luxury vehicles.
  • Coverage. While collision and comprehensive coverage are not required, you may want to add them for extra protection at the cost of higher premiums.
  • Insurer options. You should have no problem finding coverage for this vehicle, so get quotes from as many providers as possible for the best price.
  • Build options. Depending on your choice of drive train, engine size and other build options, your premiums could be higher or lower.

Does GMC Sierra qualify for auto insurance discounts?

The 2019 GMC Sierra is available with several safety, security and driver assistance features that may help you get discounts on auto insurance.

  • Anti-theft device
  • Passive restraint systems
  • Anti-lock brakes
  • Rear and side parking assist
  • Blind zone alert
  • Lane change alert
  • Surround vision and rear camera mirror

How reliable is the GMC Sierra?

The GMC Sierra is a durable pickup that’s designed to withstand nearly snow, mud and off road. A few more important details to consider are:

  • Safety. The 2019 GMC Sierra holds near-perfect scores in almost all categories, which should help you save on insurance.
  • General reliability. Some GMC Sierras have issues with fuel gauges and improper HVAC temperature or air delivery, along with other minor problems that are less common.
  • Recalls. GMC recalled some 2014-2017 GMC Sierra models for an issue that could prevent the seatbelts and airbags from deploying in an accident. Some 2015 models were also recalled for an issue that could cause power steering assist to momentarily fail.

Bottom line

The GMC Sierra is a moderately priced pickup truck that can handle job sites and casual driving and comes packed with a suite of safety and driver assistance features. Its durable, feature-packed design is one of the many factors that contribute to its affordable auto insurance rates.

However, your actual price may vary depending on your build options, driving history and other variables, so it’s important to compare your options to get the best coverage and price for your situation.

Frequently asked questions about the GMC Sierra

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