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Car insurance for a GMC
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Part of choosing the best car insurance is finding a policy with the right type of coverage for your needs at a price that fits in your budget. As of 2022, the average cost of full coverage car insurance nationwide is $1,771 annually, or about $148 monthly. However, it’s important to understand that the cost of your car insurance premium will likely differ from the average due to factors like your location, age, driving record, and coverage types, as well as the make and model of your GMC vehicle.
Models included in this review:
How much does it cost to insure a GMC?
In thinking about the cost of insuring a GMC, it can be important to first assess how much car insurance you need. Full coverage car insurance provides additional coverage options to protect yourself and your vehicle, while state minimum liability requirements typically only provide protection for the other party. Car insurance rates vary by state, but on average, full coverage car insurance costs $1,771 per year while minimum coverage costs $545 per year as of 2022.
In addition to coverage choices, there are also a variety of factors that impact the cost of car insurance. Including the vehicle itself, other factors car insurance providers may use to determine premiums include the following:
- Crash rate stats per make/model: Both the government and private entities collect crash rate statistics and do crash testing. What they find can impact your premium. The Insurance Institute for Highway Safety (IIHS), for example, rates the GMC Sierra’s headlights as “poor.” An insurer will assess this information to determine if it leads to increased accidents — which may cause it to increase premium rates.
- Price of parts: GMC cars are often made in America, using American-made parts. This means parts may be cheaper and easier to access than a car that features, say, German-made parts. Your insurer will take that into account and may pass the savings of comparatively inexpensive repairs on to you in the form of cheaper premiums.
- Safety features: Most insurers like safe cars because they lead to fewer accidents and a reduced likelihood of claims. Insurers tend to look favorably, for example, at features like the GMC Acadia’s automatic emergency braking and rear park assist when determining premiums.
Car insurance for a GMC: by model
Auto insurance for GMC vehicles varies based on numerous factors. With that in mind, it may be good to start with a general idea of average annual premiums when you begin your search for the best car insurance for you. To get a sense of how much car insurance might cost for each GMC vehicle, Bankrate examined average rate data from Quadrant Information Services.
Car insurance for GMC Acadia
The 2022 GMC Acadia starts at $34,800, and is a midsize SUV that seats up to seven and comes with either four-cylinder or V-6 power. The Acadia features GMC’s advanced technology and safety features, including something the company calls Intellibeam, which turns on your car’s high beams according to traffic conditions. There is also front pedestrian braking to help you avoid collisions with pedestrians — which might otherwise result in high-end insurance claims.
|Acadia car insurance type||Average annual premium|
Car insurance for GMC Sierra
GMC features a whole line of Sierra trucks, including the 2022 Sierra 1500, which starts at $35,400, up to the 2022 Sierra 3500 HD Denali, which starts at $66,000. The vehicles are embedded with safety technology, including up to 15 camera views and an optimized trailering system that leads to fewer possible injuries and a better trailering experience. An in-vehicle trailering app is just one way the Sierra works to keep you safe. Full coverage insurance for the trucks averages $1,519 per year, but could be higher if your vehicle has customizations or is one of the higher end models of the Sierra range.
|Sierra car insurance type||Average annual premium|
Car insurance for GMC Terrain
The Terrain series includes two vehicles: the basic 2022 Terrain, which starts at $27,900, and the 2022 Terrain Denali, starting at $36,600. The Terrain is a small SUV with GMC Pro Safety installed standard. This feature makes you aware of potential hazards and helps you avoid objects behind you when you park or reverse. The IIHS rates the GMC Terrain as good (the top ranking) in every area except headlights, which, like the Sierra, earned a poor rating.
|Terrain car insurance type||Average annual premium|
Car insurance for GMC Yukon
The Yukon series is GMC’s largest SUV, and its most expensive — putting it close to the luxury car category. The standard 2022 Yukon retails for $52,500. At the top of the range, the 2022 Yukon XL Denali starts at $72,200. The increased cost plays into higher auto insurance premiums on average, especially for full coverage. However, The Yukon features safety technology designed to reduce your chance of accidents. Like the Terrain, it has GMC’s Pro Safety Plus features, including auto high beams and following distance indicator.
|Yukon car insurance type||Average annual premium|
Cheapest car insurance companies for GMCs
As the table below shows, it pays to get multiple quotes from a range of insurers to find the cheapest car insurance companies for your GMC. In general, Amica’s rates are relatively low across different GMC models, as are USAA’s. At the other end of the scale, State Farm is at the high end. However, this does not mean you should avoid State Farm — or any other carrier — based on average rates. Remember, your own rates will differ based on multiple factors, some of which are unique to you. Additionally, some carriers may have unique eligibility requirements or may not be available in all states.
Average annual premium for full coverage by model and car insurance company
GMC features that impact insurance costs
Because insurance companies also consider vehicle features when calculating a car’s insurance premium, some of these could help with lessening risk while on the road. However, car insurance companies will also assess potential costs to repair the vehicle as well. The more advanced technological features a vehicle has, the more likely it is to also require specialized labor and parts to repair in the event of an accident.
- Rear park assist: Some GMC models have a feature that signals if you are getting close to another vehicle or object when reverse parking. This can lower the possibility of fender-benders when backing into a parking space and reduce insurable risk.
- Intellibeam auto high beams: This GMC-developed feature will automatically switch on your high beams when traffic allows, giving you better night vision and making the road safer for both you and oncoming traffic.
- Front pedestrian braking: Most newer GMC models have multiple cameras that can detect pedestrians who might step onto the road suddenly between parked cars. Many GMC vehicles can even provide automatic emergency braking in these situations, making costly vehicle and pedestrian accidents less likely. This could make car insurance for GMC cost less than vehicles without this feature.
- Lane keep assist: GMC vehicles can alert you if you unintentionally drift out of your lane. The vehicles’ cameras (as many as 15) monitor the road. They notify you of the distance between you and the car ahead of you, displaying the distance gap as seconds. Both help you avoid accidents when driving, reducing the likelihood of accident claims and, potentially, your insurance rates.
Other car insurance coverage for a GMC
Your minimum liability coverage is designed primarily to protect the other driver in an accident where you are at fault. So how do you protect yourself and your investment in your vehicle? There are several ways.
First, consider adding both collision and comprehensive coverage to your policy. Collision will help pay for damages to your own car following an accident, while comprehensive pays for damages to your vehicle from anything other than an accident, such as a tree hitting your car or a fire. Both are considered part of a full coverage policy.
You may get help paying for your and your passengers’ injuries in an accident if you have personal injury protection (PIP) or medical payments (medpay) coverage. In no-fault states (and some tort states), PIP coverage may be mandatory. Your insurer will likely also have other optional coverages, such as roadside assistance coverage, rideshare coverage and uninsured/underinsured motorist coverage (which is required in some states).
Frequently asked questions
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 GMC of the following model types, commute five days a week and drive 12,000 miles annually:
- GMC Acadia
- GMC Sierra
- GMC Terrain
- GMC Yukon
These are sample rates and should only be used for comparative purposes.