GMC Insurance Rates

The average cost of car insurance for a GMC model is about $1,619 per year.

This is $275 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 $1,483 $2,177 $2,547
GMC Canyon Insurance Cost $1,489 $2,186 $2,557
GMC Savana Cargo Insurance Cost $1,484 $2,179 $2,549
GMC Sierra 1500 Insurance Cost $1,660 $2,437 $2,851
GMC Sierra 2500HD Insurance Cost $1,763 $2,590 $3,029
GMC Sierra 3500HD Insurance Cost $1,835 $2,695 $3,152
GMC Terrain Insurance Cost $1,425 $2,092 $2,448
GMC Yukon Insurance Cost $1,690 $2,481 $2,903
GMC Yukon XL Insurance Cost $1,740 $2,554 $2,988

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 $5,482 $8,051 $9,418
18 $5,109 $7,503 $8,777
19 $4,516 $6,631 $7,757
20 $3,937 $5,782 $6,763
21 $3,302 $4,848 $5,672
22 $3,216 $4,722 $5,524
23 $2,814 $4,131 $4,833
24 $2,673 $3,925 $4,592
25 $2,307 $3,387 $3,963
30 $1,797 $2,639 $3,087
35 $1,683 $2,471 $2,891
40 $1,619 $2,377 $2,780
45 $1,575 $2,313 $2,706
55 $1,444 $2,121 $2,481
65 $1,507 $2,213 $2,588
75 $1,902 $2,792 $3,267

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 $1,715 $2,491 $3,170
Alaska $1,418 $1,966 $1,911
Arizona $1,604 $2,318 $3,416
Arkansas $1,758 $2,763 $3,042
California $1,958 $3,462 $1,958
Colorado $1,827 $2,557 $3,244
Connecticut $2,334 $3,620 $4,595
Delaware $1,932 $2,575 $3,308
Florida $2,301 $3,183 $4,147
Georgia $1,875 $2,805 $2,828
Hawaii $749 $1,017 $749
Idaho $1,302 $1,726 $2,098
Illinois $1,362 $2,059 $2,348
Indiana $1,400 $2,140 $2,401
Iowa $1,109 $1,520 $1,788
Kansas $1,475 $2,146 $2,510
Kentucky $2,132 $3,130 $3,696
Louisiana $2,737 $4,138 $4,486
Maine $1,035 $1,431 $2,112
Maryland $1,675 $2,438 $2,708
Massachusetts $1,343 $2,343 $1,343
Michigan $3,242 $4,940 $7,791
Minnesota $1,334 $1,779 $2,505
Mississippi $1,611 $2,298 $2,312
Missouri $1,518 $2,170 $2,851
Montana $1,543 $2,153 $2,506
Nebraska $1,305 $1,929 $2,096
Nevada $2,151 $3,191 $3,371
New Hampshire $1,497 $2,367 $2,992
New Jersey $1,649 $2,587 $3,385
New Mexico $1,684 $2,505 $2,600
New York $1,560 $1,964 $3,279
North Carolina $967 $1,661 $1,185
North Dakota $1,323 $2,011 $2,378
Ohio $1,180 $1,820 $1,866
Oklahoma $1,884 $2,698 $3,037
Oregon $1,714 $2,300 $2,748
Pennsylvania $1,444 $2,120 $2,481
Rhode Island $2,411 $3,537 $3,983
South Carolina $1,637 $2,269 $3,132
South Dakota $1,469 $2,117 $2,442
Tennessee $1,728 $2,543 $3,387
Texas $1,740 $2,514 $3,126
Utah $1,480 $2,074 $2,854
Vermont $1,139 $1,755 $1,855
Virginia $1,073 $1,648 $1,615
Washington $1,421 $1,928 $2,303
West Virginia $1,430 $2,047 $2,565
Wisconsin $1,425 $2,225 $2,538
Wyoming $1,331 $1,863 $1,984