GMC Insurance Rates

The average cost of car insurance for a GMC model is about $1,571 per year.

This is $216 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. 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

GMC insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per GMC Model

Model Good Driver Recent Accident Poor Credit
GMC Acadia Insurance Cost $1,468 $2,155 $2,521
GMC Canyon Insurance Cost $1,474 $2,164 $2,531
GMC Savana Cargo Insurance Cost $1,469 $2,157 $2,523
GMC Sierra 1500 Insurance Cost $1,588 $2,332 $2,728
GMC Sierra 2500HD Insurance Cost $1,688 $2,478 $2,899
GMC Sierra 3500HD Insurance Cost $1,756 $2,579 $3,017
GMC Terrain Insurance Cost $1,411 $2,072 $2,424
GMC Yukon Insurance Cost $1,617 $2,374 $2,778
GMC Yukon XL Insurance Cost $1,665 $2,445 $2,860

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 $5,320 $7,812 $9,139
18 $4,958 $7,280 $8,517
19 $4,381 $6,434 $7,527
20 $3,820 $5,610 $6,563
21 $3,204 $4,704 $5,504
22 $3,120 $4,582 $5,360
23 $2,730 $4,009 $4,690
24 $2,594 $3,808 $4,455
25 $2,238 $3,287 $3,845
30 $1,743 $2,560 $2,995
35 $1,633 $2,398 $2,805
40 $1,571 $2,306 $2,698
45 $1,528 $2,244 $2,625
55 $1,402 $2,058 $2,408
65 $1,462 $2,147 $2,512
75 $1,845 $2,710 $3,170

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 $1,664 $2,417 $3,077
Alaska $1,376 $1,908 $1,855
Arizona $1,556 $2,250 $3,314
Arkansas $1,706 $2,681 $2,952
California $1,899 $3,359 $1,899
Colorado $1,773 $2,481 $3,148
Connecticut $2,265 $3,512 $4,458
Delaware $1,875 $2,499 $3,209
Florida $2,232 $3,089 $4,025
Georgia $1,820 $2,722 $2,744
Hawaii $727 $987 $727
Idaho $1,263 $1,674 $2,036
Illinois $1,322 $1,998 $2,278
Indiana $1,358 $2,076 $2,330
Iowa $1,076 $1,475 $1,735
Kansas $1,431 $2,082 $2,436
Kentucky $2,069 $3,037 $3,587
Louisiana $2,656 $4,015 $4,353
Maine $1,004 $1,388 $2,050
Maryland $1,625 $2,366 $2,627
Massachusetts $1,304 $2,274 $1,304
Michigan $3,145 $4,793 $7,560
Minnesota $1,295 $1,726 $2,431
Mississippi $1,563 $2,229 $2,244
Missouri $1,473 $2,106 $2,766
Montana $1,497 $2,089 $2,432
Nebraska $1,266 $1,872 $2,034
Nevada $2,088 $3,097 $3,271
New Hampshire $1,452 $2,296 $2,903
New Jersey $1,600 $2,510 $3,285
New Mexico $1,634 $2,431 $2,523
New York $1,513 $1,906 $3,181
North Carolina $938 $1,612 $1,150
North Dakota $1,284 $1,951 $2,308
Ohio $1,145 $1,766 $1,811
Oklahoma $1,828 $2,618 $2,947
Oregon $1,664 $2,232 $2,666
Pennsylvania $1,401 $2,057 $2,407
Rhode Island $2,340 $3,432 $3,865
South Carolina $1,589 $2,202 $3,039
South Dakota $1,425 $2,054 $2,370
Tennessee $1,676 $2,468 $3,286
Texas $1,688 $2,439 $3,034
Utah $1,436 $2,013 $2,769
Vermont $1,105 $1,703 $1,800
Virginia $1,041 $1,599 $1,567
Washington $1,378 $1,871 $2,234
West Virginia $1,387 $1,987 $2,489
Wisconsin $1,383 $2,159 $2,462
Wyoming $1,291 $1,807 $1,925