GMC Sonoma Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A GMC Sonoma is less expensive to insure than the average truck.
• Liability only car insurance rates for a Sonoma tend to be about $65 a month, while full coverage usually runs around $116.
• ACG provides the cheapest average premiums for a Sonoma with liability only coverage offered for sometimes as little as $23 monthly.

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Sonoma Overview

Coming in with a base MSRP of $24,960 for 2004 models, the GMC Sonoma is a great car for drivers on a budget. While it is on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when thinking about your insurance premiums.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that GMC Sonoma car insurance prices are about $79 a month, on average. How do auto insurance rates for the Sonoma compare to prices of other similar trucks?

How Much is Car Insurance for a GMC Sonoma?

Based on the table above, insurance premiums for a GMC Sonoma are lower than average. On average, Sonoma drivers can expect to pay around $116 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $65 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Sonoma is cheaper, with prices about 18% lower than GMC's other vehicle offerings. Likewise, compared to other vehicles of a similar body style, Sonoma coverage is below average, with both full coverage and liability only insurance averaging less expensive premiums than other trucks.

They're also more affordable to insure than the average vehicle overall, regardless of body style, make, or model.

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Who has the Cheapest Car Insurance for a GMC Sonoma?

Browsing for a car insurance policy for your GMC Sonoma? You might be most interested in which carrier offers the most affordable premiums. Although there will never be one company that offers the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from ACG. With car insurance as low as just $27 a month, Aspire is the next most affordable car insurance carrier.

Commonwealth Casualty, FirstChicago, and MetroMile round out the rest of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your GMC Sonoma.

Insurance carriers use a wide array of variables and complex formulas to calculate premiums. By getting quotes from numerous auto insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a GMC Sonoma?

There are several factors that insurance carriers consider to choose how much to charge for a policy -- and every company weighs certain attributes more than others, so there's not one carrier that's the lowest for each driver.

The following sections show a whole bunch of things auto insurance companies use to calculate rates:

Vehicle Age

The GMC Sonoma has been around for a while, so vehicle age may make a difference in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Sonomas continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Sonoma won't really fit this trend. However, as you can see in the table above, the most expensive GMC Sonomas to insure are those that are 11 to 14 years old, while the cheapest models are Sonomas that are 8 to 10 years old, on average.

Your Age

Age is another variable that plays a significant role in how much you pay for car insurance. Based on the information in the table above, drivers who have more experience have less expensive rates than teenage drivers. GMC Sonoma drivers under 18 actually pay $60 more than those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the Sonoma.

Your Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable prices. When it comes to Sonoma drivers specifically, men pay around $67 monthly for insurance, while women pay about $61.

Where You Live

You might already know that variables such as how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live can be just as important? Auto insurance is regulated on the state level rather than nationally, so rates can change quite a bit from state to state.

For example, the average GMC Sonoma owner from New York pays around $86 per month for liability coverage, while the same driver in California will pay $40 less than that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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GMC Sonoma Car Insurance Discounts

Whatever what state you live in, which car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance policy is always a good idea.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-car discounts for adding more than one vehicle to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution

While discounts are always a good way to save money on your auto insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

You obviously can't control every single aspect of your insurance profile (like some of the variables we mentioned above), but you can influence some of it. Below are just a few of the factors you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly observed ads from auto insurance companies promoting large discounts for good drivers. And you probably wouldn't be surprised that if you get into an accident or get tickets, car insurance rates will go higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

You can tell from the table above that accidents will usually cost Sonoma drivers more than tickets, but both will result in higher than normal rates. GMC Sonoma drivers with one ticket will pay about $86 monthly, while drivers with a single accident on their record pay an average of $98 every month (up $33 from the $65/mo. overall average). The rates only increase the more accidents you have or tickets you get.

How Much You Drive

Another factor that affects your insurance premiums is how much you drive. Drivers who are on the roads less are more likely to go accident-free, so they'll normally get more affordable prices. In the table above, you can see that GMC Sonoma owners who drive 10,000 miles or more pay $69 for auto insurance, while those who drive fewer than 2,500 miles a year pay about $59 per month.

If you drive a limited amount, you might consider choosing a usage-based or pay-per-mile insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do GMC Sonomas Compare to Other Vehicles?

If you're considering purchasing a new truck and a GMC Sonoma is on your shortlist, you might want to know how it compares to other cars. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the GMC Sonoma compares:

Overall, the GMC Sonoma has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle price is $30,818, and the Sonoma comes in close to that at $24,960. A used Sonoma will be even cheaper, since there hasn't been a new model added to the market in the last few years.

Although the Sonoma has a pretty average price, car insurance rates are lower when compared to other vehicles on the market. Full coverage insurance for a GMC Sonoma is about $76 a month cheaper than average, while liability only coverage is $18 cheaper a month.

When it comes to usage, GMC Sonoma drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles each year compared to the Sonoma's 9,673 per year.

GMC Sonoma Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on what you'll pay for insurance. If you're considering buying a new vehicle and the Sonoma is one you're thinking about, knowing how much your vehicle will likely cost can be helpful as you consider your options.

Choose Your Model

2004 GMC Sonoma Car Insurance 2003 GMC Sonoma Car Insurance 2002 GMC Sonoma Car Insurance 2001 GMC Sonoma Car Insurance 2000 GMC Sonoma Car Insurance 1999 GMC Sonoma Car Insurance 1998 GMC Sonoma Car Insurance 1997 GMC Sonoma Car Insurance 1996 GMC Sonoma Car Insurance 1995 GMC Sonoma Car Insurance 1994 GMC Sonoma Car Insurance 1993 GMC Sonoma Car Insurance 1992 GMC Sonoma Car Insurance

2004 GMC Sonoma Car Insurance

The average cost to insure a 2004 Sonoma with liability only coverage is $63 monthly, while full coverage runs around $93 per month.

Elephant has rates as little as just $22 a month for the 2004 GMC Sonoma.

If you want to find the best prices for auto insurance for a 2004 GMC Sonoma, enter your ZIP code below and compare quite a few personalized quotes in just a few minutes.

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2003 GMC Sonoma Car Insurance

On average, drivers who own a 2003 GMC Sonoma can expect to pay $80 to $157 per month for liability only and full coverage insurance, respectively.

With premiums as cheap as $20 monthly, Elephant offered the most affordable policy we found for the 2003 GMC Sonoma.

If you want to find the best rates for car insurance for a 2003 GMC Sonoma, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2002 GMC Sonoma Car Insurance

2002 Sonoma drivers can expect to pay an average of $61 a month for liability or $94 for full coverage.

Looking for the lowest policy? AssuranceAmerica offered liability only coverage for as low as $21 per month.

Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of free customized quotes.

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2001 GMC Sonoma Car Insurance

You can expect full coverage for a 2001 GMC Sonoma to run about $88 monthly, while liability only coverage will average around $62 a month.

We found MetroMile offered the most affordable policy, with rates sometimes as low as $23 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2000 GMC Sonoma Car Insurance

It costs about $71 a month for liability or $118 for a full coverage policy for the 2000 Sonoma.

If you're looking for the most affordable 2000 GMC Sonoma insurance policy, Kemper offered the cheapest policy we found, with rates sometimes as cheap as $21 monthly.

Want to know exactly how much you'll pay? Get multiple free personalized quotes by just entering your ZIP code below.

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1999 GMC Sonoma Car Insurance

On average, drivers who own a 1999 GMC Sonoma can expect to pay $61 to $92 per month for liability only and full coverage auto insurance, respectively.

Liberty Mutual offered the most affordable policy we found, with rates as cheap as just $22 a month.

If you want to know exactly how much you can expect to pay for your Sonoma, get free quotes in minutes by just entering your ZIP code below.

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1998 GMC Sonoma Car Insurance

It costs around $76 monthly for liability or $140 for a full coverage policy for the 1998 Sonoma.

With prices as little as $19 a month, Elephant offered the cheapest policy we found.

These average rates are a great starting point if you're in the market for a 1998 GMC Sonoma, but there are multiple different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1997 GMC Sonoma Car Insurance

The average cost to insure a 1997 GMC Sonoma with liability only coverage is $53 monthly, while full coverage runs about $143 per month.

With prices sometimes as low as $21 monthly, Mercury offered the lowest policy we found for the 1997 GMC Sonoma.

Want to know exactly what your car insurance premium will be? Get lots of free customized quotes by just entering your ZIP code below.

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1996 GMC Sonoma Car Insurance

1996 Sonoma drivers can expect to pay an average of $53 per month for liability or $96 for full coverage.

Elephant has premiums sometimes as cheap as $20 a month for the 1996 GMC Sonoma.

If you want to know exactly how much you can expect to pay for your Sonoma, just enter your ZIP code below and get several free quotes in minutes.

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1995 GMC Sonoma Car Insurance

You can expect full coverage for a 1995 GMC Sonoma to run around $103 per month, while liability only coverage will average about $62 a month.

Looking for the cheapest policy? MetLife offered liability only coverage for as little as just $19 monthly.

Interested in what your insurance rate could look like? Get several personalized quotes for free by just entering your ZIP code below.

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1994 GMC Sonoma Car Insurance

It costs around $58 a month for liability or $110 for a full coverage policy for the 1994 Sonoma.

If you're looking for the cheapest possible 1994 GMC Sonoma insurance policy, Good2Go offered the lowest policy we found, with rates as low as just $219/mo per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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1993 GMC Sonoma Car Insurance

You can expect full coverage for a 1993 GMC Sonoma to run about $126 monthly, while liability only coverage will average around $53 a month.

With prices as little as $22 monthly, Dairyland offered the most affordable policy we found.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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1992 GMC Sonoma Car Insurance

The average cost to insure a 1992 Sonoma with liability only coverage is $61 per month, while full coverage runs about $142 monthly.

We found Gainsco offered the lowest policy, with rates as cheap as just $24 per month.

Interested in what your auto insurance rate will be? Just enter your ZIP code below to get a variety of customized quotes for free.

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GMC Sonoma Insurance FAQs

Is a GMC Sonoma expensive to insure?

Liability insurance runs an average of $65 a month, while full coverage will cost you around $116. It costs less to insure a GMC Sonoma when compared to the average truck.

How can I get the best price on car insurance for my GMC Sonoma?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from multiple carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a multitude of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my GMC Sonoma affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. There are several variables car insurance carriers look at when they calculate how much you'll pay, but the color of your car isn't one of them.

Do I need to have insurance before I buy a GMC Sonoma?

Before you can legally drive your new (or new to you) Sonoma off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an truck is to let your auto insurance company know before you buy.

What car insurance discounts can I get for my GMC Sonoma?

There are a variety of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your GMC Sonoma and more on you, but if your Sonoma has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. To learn more about which discounts you might qualify for, reach out to your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.