If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
On average, GMC car insurance costs an average of $2,530 a year or $211 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the GMC model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for GMC is $2,530 per year.
- The Savana is the cheapest GMC model to insure.
- Advanced safety features that come standard on GMC models help lower your insurance costs.
Average cost of car insurance for a GMC, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows GMC car insurance rates by insurance company.
Cost to insure a GMC, by company
Company | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Nationwide | $2,036 | $1,018 | $170 |
State Farm | $2,138 | $1,069 | $178 |
Geico | $2,176 | $1,088 | $181 |
Progressive | $2,454 | $1,227 | $204 |
Farmers | $2,942 | $1,471 | $245 |
Allstate | $3,463 | $1,732 | $289 |
GMC average insurance rates, by model
GMC Savana car insurance cost
Car insurance costs $177 per month or $2,120 a year on average for a GMC Savana, according to CarInsurance.com’s data study. Progressive has the cheapest car insurance rates for GMC Savana among the companies analyzed. Its average annual cost for a GMC Savana is $1,793 or $149 per month.
GMC Terrain car insurance cost
The average car insurance premium for GMC Terrain is $183 per month, which translates to $2,201 per year. The most affordable company for a GMC Terrain is State Farm with a rate of $144 monthly or $1,725 per year.
GMC Canyon car insurance cost
The average car insurance premium is $195 per month, which adds up to $2,342 each year for a GMC Canyon. Nationwide is the cheapest car insurance company, with a monthly rate of $159, which translates to an annual cost of $1,904.
GMC Acadia car insurance cost
The average car insurance premium for GMC Acadia is $202 per month, which translates to $2,420 per year. The most affordable company for a GMC Acadia is Geico with a rate of $170 monthly or $2,035 per year.
GMC Sierra 1500 car insurance cost
Car insurance cost for a GMC Sierra 1500 is $2,490 a year or $207 monthly. If you own a GMC Sierra 1500, Nationwide has the cheapest car insurance rates with an average annual premium of $1,969 or $164 per month.
GMC Yukon car insurance cost
The average car insurance premium for GMC Yukon is $215 per month, which translates to $2,582 per year. The most affordable company for a GMC Yukon is Nationwide with a rate of $145 monthly or $1,742 per year.
The average cost of car insurance for a GMC, by age
The cost of GMC car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a GMC based on the driver’s age.
Cost to insure a GMC, by model, for 18-year-olds
Age | Make Model | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|---|
18 | GMC Acadia | $8,823 | $4,411 | $735 |
18 | GMC Canyon | $8,596 | $4,298 | $716 |
18 | GMC Hummer EV SUV | $16,402 | $8,201 | $1,367 |
18 | GMC Hummer EV Truck | $15,029 | $7,514 | $1,252 |
18 | GMC Savana | $7,682 | $3,841 | $640 |
18 | GMC Sierra 1500 | $9,085 | $4,543 | $757 |
18 | GMC Sierra HD | $9,785 | $4,892 | $815 |
18 | GMC Terrain | $8,207 | $4,103 | $684 |
18 | GMC Yukon | $9,391 | $4,695 | $783 |
Cost to insure a GMC, by model, for 40-year-olds
Age | Make Model | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|---|
40 | GMC Acadia | $2,420 | $1,210 | $202 |
40 | GMC Canyon | $2,342 | $1,171 | $195 |
40 | GMC Hummer EV SUV | $4,513 | $2,256 | $376 |
40 | GMC Hummer EV Truck | $4,111 | $2,056 | $343 |
40 | GMC Savana | $2,120 | $1,060 | $177 |
40 | GMC Sierra 1500 | $2,490 | $1,245 | $207 |
40 | GMC Sierra HD | $2,651 | $1,325 | $221 |
40 | GMC Terrain | $2,201 | $1,100 | $183 |
40 | GMC Yukon | $2,582 | $1,291 | $215 |
GMC car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. GMC car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below GMC car insurance rates by state.
State | Annual rates | Six-month rates | Monthly rates |
---|---|---|---|
Alaska | $2,415 | $1,208 | $201 |
Alabama | $2,381 | $1,190 | $198 |
Arkansas | $2,731 | $1,366 | $228 |
Arizona | $2,434 | $1,217 | $203 |
California | $3,117 | $1,558 | $260 |
Colorado | $3,306 | $1,653 | $275 |
Connecticut | $2,580 | $1,290 | $215 |
Washington, D.C. | $3,056 | $1,528 | $255 |
Delaware | $2,520 | $1,260 | $210 |
Florida | $3,054 | $1,527 | $255 |
Georgia | $3,204 | $1,602 | $267 |
Hawaii | $1,578 | $789 | $132 |
Iowa | $2,219 | $1,110 | $185 |
Idaho | $1,652 | $826 | $138 |
Illinois | $2,480 | $1,240 | $207 |
Indiana | $2,309 | $1,154 | $192 |
Kansas | $2,712 | $1,356 | $226 |
Kentucky | $3,084 | $1,542 | $257 |
Louisiana | $4,042 | $2,021 | $337 |
Massachusetts | $2,263 | $1,132 | $189 |
Maryland | $2,374 | $1,187 | $198 |
Maine | $1,709 | $855 | $142 |
Michigan | $3,102 | $1,551 | $259 |
Minnesota | $2,777 | $1,389 | $231 |
Missouri | $3,062 | $1,531 | $255 |
Mississippi | $2,606 | $1,303 | $217 |
Montana | $2,746 | $1,373 | $229 |
North Carolina | $1,997 | $999 | $166 |
North Dakota | $2,308 | $1,154 | $192 |
Nebraska | $2,758 | $1,379 | $230 |
New Hampshire | $1,824 | $912 | $152 |
New Jersey | $2,302 | $1,151 | $192 |
New Mexico | $2,597 | $1,298 | $216 |
Nevada | $2,396 | $1,198 | $200 |
New York | $1,885 | $943 | $157 |
Ohio | $1,901 | $950 | $158 |
Oklahoma | $2,753 | $1,376 | $229 |
Oregon | $2,383 | $1,192 | $199 |
Pennsylvania | $2,658 | $1,329 | $222 |
Rhode Island | $3,056 | $1,528 | $255 |
South Carolina | $2,437 | $1,219 | $203 |
South Dakota | $3,138 | $1,569 | $261 |
Tennessee | $2,719 | $1,360 | $227 |
Texas | $3,611 | $1,805 | $301 |
Utah | $2,064 | $1,032 | $172 |
Virginia | $1,925 | $962 | $160 |
Vermont | $1,751 | $876 | $146 |
Washington | $2,077 | $1,038 | $173 |
Wisconsin | $1,962 | $981 | $164 |
West Virginia | $2,437 | $1,218 | $203 |
Wyoming | $2,657 | $1,328 | $221 |
Average car insurance cost for different vehicle makes
Which body styles are cheaper or more expensive to insure?
To find affordable GMC car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest GMC models to insure
Smaller, budget-friendly GMC models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive GMC models to insure
Luxury vehicles, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a GMC
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
GMC discounts on car insurance
One way to save money on your GMC insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for GMC auto insurance.
How does a car’s make affect car insurance rates?
GMC car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: GMC
GMC, originally known as the General Motors Truck Company, is a division of the American automobile manufacturer General Motors (GM). Founded in 1911 by William C. Durant and Louis Chevrolet, its primary focus is on trucks and utility vehicles. This brand is renowned for its robust, high-quality vehicles built to last.
Final thoughts on GMC insurance costs
GMC makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my GMC?
Your driving record is important in determining your GMC’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my GMC affect the insurance premium?
The color of your GMC does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my GMC affect insurance costs?
The age of your GMC can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.

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