When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, GMC car insurance costs an average of $2,928 a year or $244 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 $2,928 per year.
- The Terrain 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 can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for GMC vehicles compare among different insurers in the table below.
Cost to insure a GMC, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,944 | $972 | $162 |
| GEICO | $2,525 | $1,263 | $210 |
| Nationwide | $2,612 | $1,306 | $218 |
| State Farm | $2,620 | $1,310 | $218 |
| Progressive | $2,856 | $1,428 | $238 |
| Farmers | $3,842 | $1,921 | $320 |
| Allstate | $3,886 | $1,943 | $324 |
| USAA | $2,272 | $1,136 | $189 |
GMC average insurance rates, by model
GMC Terrain car insurance cost
Car insurance costs $210 per month or $2,521 a year on average for a GMC Terrain, according to CarInsurance.com’s data study. Travelers has the cheapest car insurance rates for GMC Terrain among the companies analyzed. Its average annual cost for a GMC Terrain is $1,778 or $148 per month.
GMC Canyon car insurance cost
The average monthly car insurance premium for a GMC Canyon is $213 or $2,558 annually. Travelers is the most affordable company for a GMC Canyon owner, offering insurance at a monthly rate of just $135 or $1,614 per year.
GMC Acadia car insurance cost
The average car insurance premium is $224 per month, which adds up to $2,689 each year for a GMC Acadia. Travelers is the cheapest car insurance company, with a monthly rate of $143 , which translates to an annual cost of $1,719 .
GMC Sierra 1500 car insurance cost
The average car insurance premium for GMC Sierra 1500 is $233 per month, which translates to $2,793 per year. The most affordable company for a GMC Sierra 1500 is Travelers with a rate of $159 monthly or $1,912 per year.
GMC Yukon car insurance cost
The average monthly car insurance premium for a GMC Yukon is $244 , which totals $2,926 annually. Travelers offers the cheapest rate at $155 per month or $1,864 annually.
GMC Sierra HD car insurance cost
The average car insurance premium for GMC Sierra HD is $247 per month, which translates to $2,959 per year. The most affordable company for a GMC Sierra HD is Travelers with a rate of $158 monthly or $1,899 per year.
Insurance rates by car model
The average cost of car insurance for a GMC, by driver age
Your age is an important rating factor in determining your GMC car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
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.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a GMC by 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 | $8,760 | $4,380 | $730 |
| 18 | GMC Canyon | $8,305 | $4,153 | $692 |
| 18 | GMC Hummer EV Pickup | $14,807 | $7,403 | $1,234 |
| 18 | GMC Hummer EV SUV | $15,672 | $7,836 | $1,306 |
| 18 | GMC Sierra 1500 | $9,089 | $4,544 | $757 |
| 18 | GMC Sierra EV | $11,626 | $5,813 | $969 |
| 18 | GMC Sierra HD | $9,668 | $4,834 | $806 |
| 18 | GMC Terrain | $8,234 | $4,117 | $686 |
| 18 | GMC Yukon | $9,590 | $4,795 | $799 |
Cost to insure a GMC, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | GMC Acadia | $2,689 | $1,344 | $224 |
| 40 | GMC Canyon | $2,558 | $1,279 | $213 |
| 40 | GMC Hummer EV Pickup | $4,585 | $2,293 | $382 |
| 40 | GMC Hummer EV SUV | $4,849 | $2,425 | $404 |
| 40 | GMC Sierra 1500 | $2,793 | $1,396 | $233 |
| 40 | GMC Sierra EV | $3,615 | $1,807 | $301 |
| 40 | GMC Sierra HD | $2,959 | $1,479 | $247 |
| 40 | GMC Terrain | $2,521 | $1,260 | $210 |
| 40 | GMC Yukon | $2,926 | $1,463 | $244 |
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GMC car insurance rates by state
When it comes to insuring your GMC, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find GMC car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,768 | $1,384 | $231 |
| Alabama | $2,428 | $1,214 | $202 |
| Arkansas | $3,435 | $1,718 | $286 |
| Arizona | $3,040 | $1,520 | $253 |
| California | $3,837 | $1,919 | $320 |
| Colorado | $3,497 | $1,749 | $291 |
| Connecticut | $3,294 | $1,647 | $274 |
| Washington, D.C. | $3,964 | $1,982 | $330 |
| Delaware | $3,186 | $1,593 | $265 |
| Florida | $3,463 | $1,732 | $289 |
| Georgia | $3,089 | $1,544 | $257 |
| Hawaii | $1,695 | $848 | $141 |
| Iowa | $2,522 | $1,261 | $210 |
| Idaho | $1,914 | $957 | $160 |
| Illinois | $2,435 | $1,218 | $203 |
| Indiana | $2,005 | $1,003 | $167 |
| Kansas | $2,913 | $1,456 | $243 |
| Kentucky | $3,416 | $1,708 | $285 |
| Louisiana | $4,909 | $2,454 | $409 |
| Massachusetts | $2,287 | $1,143 | $191 |
| Maryland | $3,114 | $1,557 | $260 |
| Maine | $1,806 | $903 | $150 |
| Michigan | $3,687 | $1,843 | $307 |
| Minnesota | $2,687 | $1,343 | $224 |
| Missouri | $2,910 | $1,455 | $242 |
| Mississippi | $3,265 | $1,633 | $272 |
| Montana | $2,862 | $1,431 | $239 |
| North Carolina | $2,390 | $1,195 | $199 |
| North Dakota | $2,404 | $1,202 | $200 |
| Nebraska | $3,054 | $1,527 | $255 |
| New Hampshire | $1,903 | $952 | $159 |
| New Jersey | $3,247 | $1,624 | $271 |
| New Mexico | $2,843 | $1,422 | $237 |
| Nevada | $3,821 | $1,911 | $318 |
| New York | $3,110 | $1,555 | $259 |
| Ohio | $1,950 | $975 | $162 |
| Oklahoma | $3,362 | $1,681 | $280 |
| Oregon | $2,531 | $1,265 | $211 |
| Pennsylvania | $2,862 | $1,431 | $239 |
| Rhode Island | $3,113 | $1,556 | $259 |
| South Carolina | $3,450 | $1,725 | $287 |
| South Dakota | $3,142 | $1,571 | $262 |
| Tennessee | $2,601 | $1,300 | $217 |
| Texas | $3,449 | $1,725 | $287 |
| Utah | $2,319 | $1,159 | $193 |
| Virginia | $2,483 | $1,242 | $207 |
| Vermont | $1,883 | $942 | $157 |
| Washington | $2,386 | $1,193 | $199 |
| Wisconsin | $2,755 | $1,377 | $230 |
| West Virginia | $2,567 | $1,283 | $214 |
| Wyoming | $2,231 | $1,115 | $186 |
Average car insurance cost for different vehicle makes
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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.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest GMC models to insure
Opting for smaller, less costly GMC models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade 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, independent broker/agent with A Plus Insurance. “If you are younger and you 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 and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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
You can take advantage of all the available discounts to lower your GMC car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
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?
Curious about GMC insurance premiums? The insurance rates vary based on the specific model you choose. Since GMC manufactures various vehicles, the insurance premiums differ accordingly.
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.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or 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.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which GMC model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my GMC?
Yes, your driving record has a significant impact on your GMC’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my GMC affect the insurance premium?
No, the color of your GMC does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my GMC affect insurance costs?
The age of your GMC can influence your insurance costs. Older GMC models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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