GMC Car Insurance: How Much Is GMC Insurance? 2024
The average monthly cost to insure a GMC is $187, which is about $2,247 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
GMC, a division of General Motors established in 1911, specializes in producing trucks, SUVs, and commercial vehicles known for durability and capability. The cost of insuring a GMC varies based on a few key factors. These include your age, driving history, and where you live car insurance insurance companies use this information to determine the risk of insuring your GMC, which affects your premium. The average cost to insure a GMC is $2,247 per year.
How Much Does GMC Insurance Cost?
The average monthly cost to insure a GMC is $187, amounting to about $2,247 per year. However, your actual insurance rate will depend on factors like your age, location, driving history, and the specific GMC model you drive.
Average GMC Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a GMC, across all models, is $2,247 per year.
The GMC Terrain is the cheapest model to insure, at $1,930 per year. On the other hand, the GMC Yukon XL is the most expensive, at an average of $2,510 per year.
Use the table below to compare insurance rates for GMC models.
| GMC Model | Average Yearly Insurance Cost |
| GMC Acadia | $2,150 |
| GMC Canyon | $2,165 |
| GMC Savana | $2,157 |
| GMC Sierra | $2,383 |
| GMC Terrain | $1,930 |
| GMC Yukon | $2,435 |
| GMC Yukon XL | $2,510 |
Keep in mind that these numbers are just averages. The actual cost can change based on where you live, your age, your driving record, and the type of coverage you select.
Are GMCs Expensive To Insure?
The national average car insurance cost is $156 per month, while insuring a GMC averages $187 per month across all models—noticeably higher. However, insurance rates are typically determined by the specific car model rather than the brand as a whole, so it’s important to check rates tailored to your vehicle.
GMC Acadia Insurance Cost
The average cost of insuring a GMC Acadia across all model years, is $842 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 GMC Acadia | $1,098 |
| 2022 GMC Acadia | $894 |
| 2021 GMC Acadia | $914 |
| 2020 GMC Acadia | $773 |
| 2019 GMC Acadia | $531 |
GMC Canyon Insurance Cost
The average cost of insuring a GMC Canyon across all model years, is $1,342 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 GMC Canyon | $1,890 |
| 2023 GMC Canyon | $1,883 |
| 2022 GMC Canyon | $969 |
| 2021 GMC Canyon | $990 |
| 2020 GMC Canyon | $976 |
GMC Savana Insurance Cost
The average cost of insuring a GMC Savana across all model years, is $2,249 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 GMC Savana | $1,755 |
| 2021 GMC Savana | $4,448 |
| 2020 GMC Savana | $2,669 |
| 2019 GMC Savana | $864 |
| 2018 GMC Savana | $1,508 |
GMC Sierra Insurance Cost
The average cost of insuring a GMC Sierra across all model years, is $789 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 GMC Sierra | $992 |
| 2023 GMC Sierra | $733 |
| 2022 GMC Sierra | $766 |
| 2021 GMC Sierra | $783 |
| 2020 GMC Sierra | $673 |
GMC Terrain Insurance Cost
The average cost of insuring a GMC Terrain across all model years, is $748 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 GMC Terrain | $938 |
| 2023 GMC Terrain | $1,047 |
| 2022 GMC Terrain | $677 |
| 2021 GMC Terrain | $563 |
| 2020 GMC Terrain | $515 |
GMC Yukon Insurance Cost
The average cost of insuring a GMC Yukon across all model years, is $1,342 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 GMC Yukon | $1,556 |
| 2023 GMC Yukon | $1,329 |
| 2022 GMC Yukon | $1,587 |
| 2021 GMC Yukon | $1,057 |
| 2020 GMC Yukon | $1,179 |
GMC Yukon XL Insurance Cost
The average cost of insuring a GMC Yukon XL across all model years, is $1,385 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 GMC Yukon XL | $3,078 |
| 2022 GMC Yukon XL | $861 |
| 2021 GMC Yukon XL | $867 |
| 2020 GMC Yukon XL | $1,286 |
| 2019 GMC Yukon XL | $835 |
Cheapest Car Insurance Companies For GMCs
The cost of your GMC car insurance policy will depend on the company that you choose. State Farm offers the cheapest rates for insuring an GMC, at $1,366 per year.
Use the table below to compare cheap full-coverage rates for an GMC.
| Company | Average Annual Premium |
| State Farm | $1,366 |
| Progressive | $1,912 |
| Nationwide | $1,734 |
| Farmers | $2,352 |
| Geico | $1,744 |
GMC Car Insurance Cost – By Driver Age
The rates you pay to insure a GMC will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $7,949 |
| 18 | $7,391 |
| 19 | $6,530 |
| 20 | $5,700 |
| 21 | $4,776 |
| 22 | $4,647 |
| 23 | $4,076 |
| 24 | $3,871 |
| 25 | $3,335 |
| 30 | $2,600 |
| 35 | $2,443 |
| 40 | $2,336 |
| 45 | $2,273 |
| 55 | $2,082 |
| 65 | $2,174 |
| 75 | $2,759 |
Average GMC Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $148 |
| State Farm | $152 |
| Progressive | $147 |
| Allstate | $158 |
| Farmers | $162 |
| Liberty Mutual | $173 |
| USAA | $130 |
Average GMC Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,493 |
| Alaska | $2,063 |
| Arizona | $2,320 |
| Arkansas | $2,543 |
| California | $2,838 |
| Colorado | $2,645 |
| Connecticut | $3,374 |
| Delaware | $2,790 |
| Florida | $3,322 |
| Hawaii | $1,083 |
| Idaho | $1,893 |
| Illinois | $1,980 |
| Indiana | $2,020 |
| Iowa | $1,602 |
| Kansas | $2,136 |
| Kentucky | $3,094 |
| Louisiana | $3,969 |
| Maine | $1,502 |
| Maryland | $2,431 |
| Massachusetts | $1,952 |
| Michigan | $4,684 |
| Minnesota | $1,937 |
| Mississippi | $2,331 |
| Missouri | $2,194 |
| Montana | $2,237 |
| Nebraska | $1,898 |
| Nevada | $3,123 |
| New Hampshire | $2,168 |
| New Jersey | $2,381 |
| New Mexico | $2,432 |
| New York | $2,258 |
| North Carolina | $1,406 |
| North Dakota | $1,921 |
| Ohio | $1,708 |
| Oklahoma | $2,736 |
| Oregon | $2,475 |
| Pennsylvania | $2,088 |
| Rhode Island | $3,488 |
| South Carolina | $2,378 |
| South Dakota | $2,125 |
| Tennessee | $2,497 |
| Texas | $2,526 |
| Utah | $2,134 |
| Vermont | $1,649 |
| Virginia | $1,563 |
| Washington | $2,051 |
| West Virginia | $2,073 |
| Wisconsin | $2,063 |
| Wyoming | $1,929 |
| Georgia | $2,708 |
How To Save Money On GMC Car Insurance?
Owning a GMC involves several expenses, with car insurance being one of the largest. However, there are ways to reduce your insurance costs. Here’s how:
Maintain a Clean Driving Record
Your driving history plays a big role in determining your insurance rate. By avoiding accidents and traffic tickets, you show insurance companies that you’re a low-risk driver, which can help lower your premium.
Bundle Your Policies
Many insurance companies offer discounts if you combine different types of insurance, like home and auto. This not only makes managing your insurance easier but also saves you money on your premiums.
Raise Your Deductible
Raising your deductible—the amount you pay out of pocket before your insurance covers the rest—can reduce your premium. Just make sure you can afford the higher deductible in case of an accident.
Install Safety Features
GMC vehicles already have many safety features, but adding extras like anti-theft devices can further lower your insurance costs by reducing the risk of theft and damage.
Take Advantage of Discounts
Insurance companies often offer discounts for various reasons, such as being a good student, having a clean driving record, or completing a defensive driving course. Check with your insurer to see which discounts you might be eligible for.
Shop Around
Insurance rates can differ significantly between providers. Make sure to compare quotes from different companies to find the best deal for your needs.
Consider Usage-Based Insurance
If you don’t drive your GMC often, look into usage-based insurance. This type of policy adjusts your premium based on how much you drive, which could save you money if your GMC isn’t used frequently.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive GMC Model To Insure?
At $2,510 per year, the GMC Yukon XL is the most expensive GMC model for car insurance.
What Is The Cheapest GMC Model To Insure?
The GMC Terrain is the cheapest model for car insurance, at $1,930 per year.
