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.

CarInsurance.com Insights
  • 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

CompanyAnnual ratesSix-month ratesMonthly 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.

Insurance rates by car model

Insurance rates by car model

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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

AgeMake ModelAnnual ratesSix-month ratesMonthly rates
18GMC Acadia$8,823$4,411$735
18GMC Canyon$8,596$4,298$716
18GMC Hummer EV SUV$16,402$8,201$1,367
18GMC Hummer EV Truck$15,029$7,514$1,252
18GMC Savana$7,682$3,841$640
18GMC Sierra 1500$9,085$4,543$757
18GMC Sierra HD$9,785$4,892$815
18GMC Terrain$8,207$4,103$684
18GMC Yukon$9,391$4,695$783

Cost to insure a GMC, by model, for 40-year-olds

AgeMake ModelAnnual ratesSix-month ratesMonthly rates
40GMC Acadia$2,420$1,210$202
40GMC Canyon$2,342$1,171$195
40GMC Hummer EV SUV$4,513$2,256$376
40GMC Hummer EV Truck$4,111$2,056$343
40GMC Savana$2,120$1,060$177
40GMC Sierra 1500$2,490$1,245$207
40GMC Sierra HD$2,651$1,325$221
40GMC Terrain$2,201$1,100$183
40GMC 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.

StateAnnual ratesSix-month ratesMonthly 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

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

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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

  1. Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
  2. 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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.