Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you looking for a new or used GMC Sierra 1500? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

GMC Sierra 1500 car insurance facts

  • Average full coverage auto insurance premium: $104/month

  • Most affordable companies: Erie Insurance ($76/month) & Auto-Owners Insurance ($80/month)

  • Sierra 1500 car insurance cost vs. average rates: $73 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your GMC Sierra 1500 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average GMC Sierra 1500 insurer costs by state:

Risk factors affecting GMC Sierra 1500 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on GMC Sierra 1500 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all GMC models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

GMC automobile brand

General Motors Company (GMC) is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the GMC brand for the United States market. GMC is the largest United States automobile manufacturer and one of the world’s largest auto manufacturers. The target market of GMC is middle, upper-middle, and upper-class U.S. consumers focusing on advanced technology with creative designs and affordability. All GMC automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The GMC Sierra 1500, Canyon, Terrain, and Yukon are some of their most popular vehicles.

High GMC Sierra 1500 repair costs equal high car insurance rates

Many consumers are attracted to GMC’s creative designs, increased fuel efficiencies, and driver-assist technologies, like GMC’s Pro and GMC Pro Safety technological innovations. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a GMC is higher than average since repair parts are slightly more expensive. For this reason, many GMCs are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for GMC Sierra 1500 affecting car insurance policies

Another factor to consider for GMC is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all GMC models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent GMC IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

GMCs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as GMC’s Pro Safety and Pro Safety Plus innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% car insurance discounts for passive restraints and safety features for most GMC models. The GMC Terrain and Acadia are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives GMC automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new GMC automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$2011
Allstate$1490
Auto-Owners$1024
Cincinnati Insurance$1826
Direct Auto$1795
Erie$926
GEICO$1134
Kentucky Farm Bureau$1634
Liberty Mutual$1451
MetLife$1943
Nationwide$1402
Plymouth Rock Insurance$1572
Progressive$1608
State Farm$1290
Tennessee Farmers$1098
Texas Farm Bureau$1354
The Hanover$1729
Travelers$1248
USAA$1329

Compare all 2021 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$1234

List Price

$30100

Trims Available

Base - SLE - SLT - Denali - Base Engine: 4.3-liter V-6 · Six-speed automatic · 285 hp with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1485
Auto-Owners$974
Erie$889
Farmers$1634
GEICO$1065
Liberty Mutual$1419
Mercury$1527
MetLife$1862
Nationwide$1389
Progressive$1582
State Farm$1294
Tennessee Farmers$1026
Texas Farm Bureau$1349
The Hanover$1715
Travelers$1187
USAA$1326

Compare all 2020 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$1154

List Price

$29600

Trims Available

Base - SLE - SLT - Denali - Base Engine: 4.3-liter V-6 · Six-speed automatic · 285 hp with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1433
Auto-Owners$899
Erie$869
GEICO$975
Kentucky Farm Bureau$1629
Liberty Mutual$1330
Mercury$1490
MetLife$1835
Nationwide$1261
Progressive$1548
State Farm$1063
Tennessee Farmers$935
Texas Farm Bureau$1152
The Hanover$1706
Travelers$1023
USAA$1080

Compare all 2019 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$1159

List Price

$33500

Trims Available

Base - SLE - SLT - Denali - Base Engine: 4.3-liter V-6 · Six-speed automatic · 285 hp with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1067
Acuity$ 1067
Allied$ 1110
Allied$ 1110
American Family$ 1076
American Family$ 1076
Country$ 1047
Country$ 1047
Erie$ 657
Erie$ 657
GEICO$ 528
GEICO$ 528
Nationwide$ 881
Nationwide$ 881
Progressive$ 758
Progressive$ 758
State Farm$ 767
State Farm$ 767
Tennessee Farmers$ 950
Tennessee Farmers$ 950
USAA$ 769
USAA$ 769
Vermont Mutual$ 972
Vermont Mutual$ 972

Compare all 2018 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 933

List Price

$ 29000

Trims Available

Base - SLE - SLT - Denali

2017 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1036
Acuity$ 1036
American Family$ 1013
American Family$ 1013
Country$ 957
Country$ 957
Erie$ 637
Erie$ 637
GEICO$ 539
GEICO$ 539
Nationwide$ 883
Nationwide$ 883
Progressive$ 689
Progressive$ 689
State Farm$ 688
State Farm$ 688
Tennessee Farmers$ 945
Tennessee Farmers$ 945
Texas Farm Bureau$ 796
Texas Farm Bureau$ 796
USAA$ 741
USAA$ 741
Vermont Mutual$ 951
Vermont Mutual$ 951

Compare all 2017 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 886

List Price

$ 28405

Trims Available

Base - SLE - SLT - Denali

2016 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1010
Acuity$ 1010
American Family$ 950
American Family$ 950
Country$ 903
Country$ 903
Erie$ 620
Erie$ 620
GEICO$ 511
GEICO$ 511
Nationwide$ 879
Nationwide$ 879
Progressive$ 644
Progressive$ 644
State Farm$ 653
State Farm$ 653
Tennessee Farmers$ 869
Tennessee Farmers$ 869
Texas Farm Bureau$ 755
Texas Farm Bureau$ 755
USAA$ 715
USAA$ 715
Vermont Mutual$ 898
Vermont Mutual$ 898

Compare all 2016 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 814

List Price

$ 27815

Trims Available

Base - SLE - SLT - Denali

2015 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1043
Acuity$ 1043
American Family$ 990
American Family$ 990
Country$ 1009
Country$ 1009
Erie$ 607
Erie$ 607
GEICO$ 543
GEICO$ 543
Nationwide$ 910
Nationwide$ 910
Progressive$ 702
Progressive$ 702
State Farm$ 687
State Farm$ 687
Tennessee Farmers$ 861
Tennessee Farmers$ 861
Texas Farm Bureau$ 677
Texas Farm Bureau$ 677
USAA$ 691
USAA$ 691
Vermont Mutual$ 940
Vermont Mutual$ 940

Compare all 2015 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 860

List Price

$ 26670

Trims Available

Base - SLE - SLT - Denali

2014 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 983
Acuity$ 983
American Family$ 919
American Family$ 919
Country$ 965
Country$ 965
Erie$ 587
Erie$ 587
GEICO$ 511
GEICO$ 511
Nationwide$ 915
Nationwide$ 915
Progressive$ 682
Progressive$ 682
State Farm$ 671
State Farm$ 671
Tennessee Farmers$ 830
Tennessee Farmers$ 830
Texas Farm Bureau$ 703
Texas Farm Bureau$ 703
USAA$ 643
USAA$ 643
Vermont Mutual$ 884
Vermont Mutual$ 884

Compare all 2014 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 818

List Price

$ 26075

Trims Available

Base - SLE - SLT - Denali

2013 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 871
Acuity$ 871
American Family$ 826
American Family$ 826
Country$ 880
Country$ 880
Erie$ 525
Erie$ 525
GEICO$ 449
GEICO$ 449
Nationwide$ 836
Nationwide$ 836
Progressive$ 683
Progressive$ 683
State Farm$ 567
State Farm$ 567
Tennessee Farmers$ 728
Tennessee Farmers$ 728
Texas Farm Bureau$ 570
Texas Farm Bureau$ 570
USAA$ 587
USAA$ 587
Vermont Mutual$ 774
Vermont Mutual$ 774

Compare all 2013 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 744

List Price

$ 23590

Trims Available

Work Truck - SLE - SL - SLT - Denali

2012 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 808
Acuity$ 808
American Family$ 830
American Family$ 830
Country$ 851
Country$ 851
Erie$ 505
Erie$ 505
GEICO$ 421
GEICO$ 421
Nationwide$ 820
Nationwide$ 820
Progressive$ 683
Progressive$ 683
State Farm$ 528
State Farm$ 528
Tennessee Farmers$ 707
Tennessee Farmers$ 707
Texas Farm Bureau$ 535
Texas Farm Bureau$ 535
USAA$ 573
USAA$ 573
Vermont Mutual$ 717
Vermont Mutual$ 717

Compare all 2012 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 723

List Price

$ 21945

Trims Available

Work Truck - SLE - SL - XFE - SLT - Denali

2011 GMC Sierra 1500

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 873
Allstate$ 873
American Family$ 811
American Family$ 811
Country$ 832
Country$ 832
Erie$ 499
Erie$ 499
GEICO$ 415
GEICO$ 415
Nationwide$ 801
Nationwide$ 801
Progressive$ 649
Progressive$ 649
State Farm$ 555
State Farm$ 555
Tennessee Farmers$ 705
Tennessee Farmers$ 705
Texas Farm Bureau$ 726
Texas Farm Bureau$ 726
USAA$ 548
USAA$ 548
Vermont Mutual$ 696
Vermont Mutual$ 696

Compare all 2011 GMC Sierra 1500 rates

Average Cost to Insure Per Year

$ 724

List Price

$ 21235

Trims Available

Work Truck - SLE - SL - XFE - SLT - Denali