GMC Insurance Rates

The average cost of car insurance for a GMC model is about $1,714 per year.

This is $353 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact GMC insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These GMC insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per GMC Model

Model Good Driver Recent Accident Poor Credit
GMC Acadia Insurance Cost $1,613 $2,403 $2,840
GMC Canyon Insurance Cost $1,619 $2,412 $2,851
GMC Savana Cargo Insurance Cost $1,505 $2,241 $2,649
GMC Sierra 1500 Insurance Cost $1,746 $2,600 $3,073
GMC Sierra 2500HD Insurance Cost $1,855 $2,763 $3,266
GMC Sierra 3500HD Insurance Cost $1,930 $2,874 $3,398
GMC Terrain Insurance Cost $1,550 $2,309 $2,730
GMC Yukon Insurance Cost $1,777 $2,647 $3,130
GMC Yukon XL Insurance Cost $1,829 $2,725 $3,221

The cost to insure a GMC model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a GMC, then see our insurance analysis and rankings for other makes and models here.

GMC Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,805 $8,647 $10,221
18 $5,410 $8,058 $9,525
19 $4,781 $7,121 $8,418
20 $4,169 $6,209 $7,340
21 $3,496 $5,207 $6,155
22 $3,405 $5,071 $5,995
23 $2,979 $4,437 $5,245
24 $2,830 $4,216 $4,983
25 $2,442 $3,638 $4,300
30 $1,902 $2,834 $3,350
35 $1,782 $2,654 $3,137
40 $1,714 $2,553 $3,018
45 $1,668 $2,484 $2,936
55 $1,530 $2,278 $2,693
65 $1,595 $2,376 $2,809
75 $2,014 $2,999 $3,545

GMC auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect GMC models by state.

Average GMC Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,816 $2,544 $3,183
Alaska $1,502 $2,188 $2,292
Arizona $1,698 $2,634 $3,756
Arkansas $1,862 $2,820 $3,155
California $2,073 $3,625 $2,073
Colorado $1,934 $2,678 $3,340
Connecticut $2,471 $3,821 $4,893
Delaware $2,046 $2,817 $3,740
Florida $2,436 $3,309 $4,313
Georgia $1,986 $3,061 $3,140
Hawaii $793 $1,095 $793
Idaho $1,378 $1,855 $2,309
Illinois $1,443 $2,132 $2,473
Indiana $1,482 $2,316 $2,703
Iowa $1,174 $1,761 $2,052
Kansas $1,562 $2,299 $2,724
Kentucky $2,258 $3,396 $3,994
Louisiana $2,898 $4,430 $4,769
Maine $1,096 $1,470 $2,145
Maryland $1,773 $2,600 $3,071
Massachusetts $1,422 $2,405 $1,422
Michigan $3,432 $5,160 $7,934
Minnesota $1,413 $1,898 $2,809
Mississippi $1,705 $2,576 $2,721
Missouri $1,607 $2,213 $2,862
Montana $1,634 $2,557 $2,820
Nebraska $1,381 $1,955 $2,224
Nevada $2,278 $3,439 $3,772
New Hampshire $1,585 $2,554 $3,252
New Jersey $1,746 $2,753 $3,551
New Mexico $1,783 $2,566 $2,881
New York $1,652 $2,151 $3,472
North Carolina $1,024 $1,653 $1,274
North Dakota $1,401 $2,156 $2,737
Ohio $1,249 $2,043 $2,117
Oklahoma $1,995 $2,995 $3,397
Oregon $1,815 $2,742 $3,145
Pennsylvania $1,529 $2,312 $2,654
Rhode Island $2,553 $3,917 $4,480
South Carolina $1,734 $2,509 $3,580
South Dakota $1,555 $2,140 $2,568
Tennessee $1,829 $2,736 $3,452
Texas $1,842 $2,711 $3,403
Utah $1,567 $2,266 $3,125
Vermont $1,206 $1,929 $2,109
Virginia $1,137 $1,711 $1,818
Washington $1,504 $2,260 $2,665
West Virginia $1,514 $2,204 $2,722
Wisconsin $1,509 $2,203 $2,675
Wyoming $1,409 $2,070 $2,314

Other Important GMC Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all GMC models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a GMC? We have millions of new and used vehicles listed. Here are some GMC models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.