GMC Sierra Insurance Cost
The GMC Sierra is a full-size truck with an average insurance cost of $1,880/yr. It carries a 5/5 NHTSA safety rating and high theft risk. See how costs break down by year below.
Quote My Sierra$1,880/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Full-size Truck
Body Type
Insurance Cost by Year — GMC Sierra
About GMC Sierra Insurance
The GMC Sierra is a popular full-size truck that averages $1,880/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Sierra is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer Sierras (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does GMC Sierra insurance cost?
The average insurance cost for a GMC Sierra is $1,880/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the GMC Sierra expensive to insure?
Compared to the national average of about $1,770/yr, the GMC Sierra at $1,880/yr is above average in insurance cost. As a full-size truck, it falls within the typical range for its class.
What is the GMC Sierra's safety rating?
The GMC Sierra has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the GMC Sierra a theft target?
The GMC Sierra has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap GMC Sierra insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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