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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
GMC Sierra drivers pay an average of $143 per month for auto insurance, according to our research — slightly below the U.S. national average of $152. Liability-only coverage costs an average of $101 monthly, and full coverage costs $185.. Mile Auto offers the cheapest rates for the Sierra, starting at just $66 per month, but your personal rate depends on factors like your location, driving history, and your truck’s age. Higher-trim Sierras — like the Denali — typically have more expensive premiums due to their higher replacement costs.
In the article below, we’ll break down the best insurance companies for Sierra owners, the cheapest coverage options, and how to maximize savings.
Mile Auto offers the cheapest GMC Sierra insurance, on average — just $66 per month.
Newer GMC Sierra models tend to have higher insurance premiums — the 2024 model’s average rate is $180 per month.
GMC Sierra drivers with a clean record pay an average of $143 per month, while owners with a DUI pay $235.
Your car insurance rates mainly depend on the policy type you choose. Minimum-coverage policies provide liability insurance and anything else your state requires, like uninsured motorist protection.
Full-coverage policies, on the other hand, include liability, collision, and comprehensive coverage to protect you from at-fault accidents and non-collision events like hail. If you lease your car, most lenders require you to purchase a full-coverage policy.
Here are the average prices for different GMC Sierra coverage types based on data from Compare.com:
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| GMC Sierra | $101 | $185 | $143 |
| All vehicles | $107 | $197 | $152 |
GMC Sierra drivers pay an average of $101 per month for liability coverage, while full-coverage policies cost $185 per month. But different drivers have different insurance needs. Let’s look at the cheapest car insurance companies for a few types of GMC Sierra drivers.
Even though GMC Sierra drivers pay less than the U.S. national average, you can always try to save money — especially by working with historically cheap car insurance companies. Let’s take a look at the auto insurers offering the most affordable premiums for Sierra drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $66 |
| Certainly | $74 |
| First Chicago | $89 |
| Root | $89 |
| Just Insure | $92 |
Mile Auto offers the cheapest GMC Sierra premiums, at just $66 per month.
But the insurer with the cheapest average premiums might not be the cheapest for you. Your rates will vary based on your age, driving history, and location.
The best way to get your lowest rate is to compare quotes from multiple insurance companies.
Get personalized quotes from top insurance companies.
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No single insurance company is the best for every type of driver. Each company has advantages and disadvantages that work better for some people based on their needs and preferences.
We’ve compiled a list of insurers that stand out for their prices, customer reviews, coverage options, and discounts.
Compare.com Rating: 4.9 out of 5
Low rates for high-risk drivers
AM Best financial strength rating of A++ (Superior)
Extensive network of 19,000 agents
Accident forgiveness not available
Policies not available in Massachusetts and Rhode Island
Gap coverage not available
State Farm is a national insurer with solid coverage options, discounts, and low rates for high-risk drivers. J.D. Power also ranks the company above average for claims and customer satisfaction.
But State Farm doesn’t offer gap insurance, so the company won’t cover the difference between your car’s value and your loan balance if you total your car.
Compare.com Rating: 2.98 out of 5
Pay-per-mile coverage
Easy to get quotes
No required tracking device
Below-average customer reviews
No BBB accreditation
Available in only seven states
Mile Auto offers usage-based insurance, making it ideal for GMC Sierra owners who drive fewer than 7,000 miles annually. You only need to submit monthly odometer readings. Mile Auto doesn’t monitor you through mobile apps or tracking devices.
But some customers say contacting customer service is difficult, and others mention hidden fees.
Compare.com Rating: 4.53 out of 5
Affordable rates
Many discounts available
Potential dividend payouts
No mobile app
Limited online capabilities
Available only in five states
You’ll find many policy and discount options with New Jersey Manufacturers. NJM ranks No. 2 for customer satisfaction in the mid-Atlantic by J.D. Power, as well as No. 1 in the country for claims satisfaction.
NJM offers its SafeDrive telematics mobile app, but not a regular app. But policies are available only in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.
Compare personalized quotes from dozens of top insurers.
Your vehicle’s age can also affect your insurance rates. Generally, the more your truck is worth, the higher your premiums — so newer models often cost more to insure than older ones.
We analyzed Compare.com data to find the average premiums and cheapest insurance companies for different Sierra model years. Check them out in the table below.
Sierra Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $180 | Mile Auto | $74 |
| 2023 | $173 | Mile Auto | $92 |
| 2022 | $169 | Mile Auto | $77 |
| 2021 | $169 | Certainly | $83 |
| 2020 | $160 | Mile Auto | $78 |
| 2019 | $164 | Mile Auto | $60 |
| 2018 | $148 | Certainly | $57 |
| 2017 | $156 | Mile Auto | $76 |
| 2016 | $144 | Mile Auto | $75 |
| 2015 | $151 | Certainly | $67 |
Your Sierra’s model year is only one factor influencing your rates. The state you live in also significantly affects how much you pay for insurance.
Where you live greatly influences how much you pay for car insurance. State and local insurance laws, traffic patterns, crime rates, and weather patterns affect your rates.[1]
The table below shows the average premiums in each state for GMC Sierras, based on data from Compare.com.
State | Average Monthly Premium |
|---|---|
| Alabama | $94 |
| Arizona | $126 |
| Arkansas | $181 |
| California | $182 |
| Colorado | $148 |
| Connecticut | $287 |
| Delaware | $175 |
| Florida | $184 |
| Georgia | $187 |
| Idaho | $95 |
| Illinois | $118 |
| Indiana | $102 |
| Iowa | $86 |
| Kansas | $116 |
| Kentucky | $184 |
| Louisiana | $170 |
| Maine | $112 |
| Maryland | $260 |
| Massachusetts | $142 |
| Michigan | $221 |
| Minnesota | $142 |
| Mississippi | $142 |
| Missouri | $138 |
| Montana | $115 |
| Nebraska | $133 |
| Nevada | $225 |
| New Hampshire | $87 |
| New Jersey | $150 |
| New Mexico | $109 |
| New York | $363 |
| North Carolina | $71 |
| North Dakota | $109 |
| Ohio | $96 |
| Oklahoma | $122 |
| Oregon | $121 |
| Pennsylvania | $123 |
| Rhode Island | $108 |
| South Carolina | $207 |
| South Dakota | $91 |
| Tennessee | $106 |
| Texas | $168 |
| Utah | $137 |
| Vermont | $103 |
| Virginia | $136 |
| Washington | $105 |
| District of Columbia | $215 |
| West Virginia | $109 |
| Wisconsin | $96 |
| Wyoming | $91 |
Your age can also influence what you pay for car insurance. Even in states with cheaper premiums, teen drivers usually pay above-average rates.
Your age has one of the biggest effects on your car insurance rates. Teen drivers usually pay the highest rates because they’re three times more likely to be involved in a serious car accident.[2] On the other hand, senior drivers pay lower rates because they drive less and have fewer accidents.[3]
Here are the average rates and cheapest companies for GMC Sierra drivers based on their age, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $269 | Mile Auto | $127 |
| 20s | $184 | Mile Auto | $87 |
| 30s | $143 | Mile Auto | $68 |
| 40s | $131 | Mile Auto | $62 |
| 50s | $118 | Mile Auto | $56 |
| 60s | $110 | Mile Auto | $52 |
| 70s | $119 | Mile Auto | $56 |
The rates for GMC Sierras follow expected patterns, with teens and young drivers paying the highest rates and seniors paying the lowest rates. Rates increase for drivers in their 70s, which is when crash-related fatalities also increase.[4]
Regardless, Mile Auto offers the lowest rates for drivers in all groups, according to our data.
Your driving record is another important factor that insurance companies use to set your car insurance rates. Insurers look at your past driving habits to determine your chances of filing a claim.
Using data from Compare.com, we’ve compiled the average cost and cheapest premiums for GMC Sierra drivers based on their driving history.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $143 | Mile Auto | $68 |
| Speeding ticket | $199 | Mile Auto | $94 |
| At-fault accident | $207 | Mile Auto | $98 |
| DUI | $235 | Mile Auto | $111 |
Drivers with clean records pay the lowest average premiums, while drivers with DUIs pay the highest. Mile Auto has the cheapest rates for many, including high-risk drivers.
View rates for your GMC Sierra from top insurance companies.
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Your Sierra may have features that increase your repair costs, which can also increase your car insurance premiums.[5] The Sierra 2500 is a heavy-duty truck and likely costs more to insure than the light-duty 1500.
Here’s an overview of other features and options for your Sierra that can affect your rate:
Advanced safety features: Features like automatic emergency braking and forward collision alerts may lower your chances of an accident and reduce your premiums.
Engine size: The base engine is cheaper than the turbo-diesel and 6.2-liter V-8 options. The more powerful engines can be more costly to repair, which could increase your rates.
Off-road package: Off-road suspension, hill-descent control, and skid plates can increase the cost of repairing the vehicle, raising the cost of your coverage.
Four-wheel drive (4WD): While four-wheel drive is great for rough terrain, it’s more expensive to repair than two-wheel drive and can increase your insurance costs.
Your insurance rates should be lower if you pick fewer accessories or more safety options than purchasing more expensive or powerful features.
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No matter your current insurance rate, you can always try to save more money. Here are some of our favorite ways to lower your insurance premiums:
Choose higher deductibles. Increasing your deductible can lower your monthly premium. Just make sure you have enough savings if you need to file a claim, as you’ll pay more out of pocket.
Install anti-theft features. You may qualify for discounts for adding anti-theft devices to your vehicle.
Bundle your policies. Insurers often provide discounts if you bundle your auto insurance with homeowners or renters insurance.
Drive less. If you drive your Sierra less than 7,500 miles annually, ask your insurer about low-mileage discounts.
Compare quotes regularly: Insurance rates fluctuate, so shopping around every six months ensures you always get the best deal. Comparing quotes is one of the easiest ways to find lower rates.
Comparing personalized quotes is the simplest way to find the best deal.
Here are some answers to GMC Sierra drivers’ most common questions about car insurance.
No. GMC Sierras aren’t typically expensive to insure. Sierra drivers pay an average of $143 per month for insurance, less than the U.S. national average of $152. But many factors can influence your car insurance rates, so you could pay higher or lower rates depending on things like your age and location.
No. Pickup trucks usually aren’t expensive to insure. Trucks tend to have cheaper insurance costs than other vehicles, with average monthly premiums around $135. The average insurance premium for all vehicles is $151 per month, according to Compare.com data.
No. GMC Sierras aren’t expensive to maintain. Sierra maintenance costs are around the average for all vehicles, according to ConsumerAffairs.[6]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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