Are you considering insuring your GMC Sierra 1500 in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the GMC Sierra 1500 can vary widely based on factors such as your location, driving history, and vehicle model year.
A 2023 GMC Sierra 1500 typically costs around $2,478 per year to insure, although prices vary widely for older models. For example, a 2021 Sierra 1500 costs $2,224 annually, whereas you’ll pay $2,033 annually for a 2018 model (on average).
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your GMC Sierra 1500.
What is the cost to insure your GMC Sierra 1500 in 2025?
On average, insuring a GMC Sierra 1500 costs $207 per month – or $2,490 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for GMC Sierra 1500
Nationwide offers the cheapest car insurance rates for GMC Sierra 1500 at an average annual cost of $1,969 a year or $164 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your GMC Sierra 1500
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,969 | $984 | $164 |
| State Farm | $2,101 | $1,050 | $175 |
| Geico | $2,129 | $1,064 | $177 |
| Progressive | $2,358 | $1,179 | $197 |
| Farmers | $2,886 | $1,443 | $241 |
| Allstate | $3,515 | $1,757 | $293 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare GMC Sierra 1500 car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 GMC Sierra 1500 will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
The table below shows the average annual insurance costs for various model years of the GMC Sierra 1500, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,767 | $884 | $147 |
| 2015 | $1,834 | $917 | $153 |
| 2016 | $1,934 | $967 | $161 |
| 2017 | $1,981 | $991 | $165 |
| 2018 | $2,033 | $1,017 | $169 |
| 2019 | $2,125 | $1,062 | $177 |
| 2020 | $2,186 | $1,093 | $182 |
| 2021 | $2,224 | $1,112 | $185 |
| 2022 | $2,370 | $1,185 | $197 |
| 2023 | $2,478 | $1,239 | $207 |
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GMC Sierra 1500 car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a GMC Sierra 1500. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the Sierra 1500 Elevation-L, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the GMC Sierra 1500.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Sierra 1500 Pro | $2,380 | $1,190 | $198 |
| Sierra 1500 SLE | $2,447 | $1,223 | $204 |
| Sierra 1500 SLT | $2,498 | $1,249 | $208 |
| Sierra 1500 Elevation | $2,519 | $1,260 | $210 |
| Sierra 1500 AT4 | $2,557 | $1,279 | $213 |
| Sierra 1500 Denali Ultimate | $2,606 | $1,303 | $217 |
| Sierra 1500 Denali | $2,610 | $1,305 | $217 |
| Sierra 1500 AT4-X | $2,611 | $1,305 | $218 |
| Sierra 1500 Elevation-L | $2,641 | $1,321 | $220 |
GMC Sierra 1500 insurance rates: State-by-state breakdown
Insurance costs for a GMC Sierra 1500 vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the GMC Sierra 1500 in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,380 | $1,190 | $198 |
| Alabama | $2,374 | $1,187 | $198 |
| Arkansas | $2,710 | $1,355 | $226 |
| Arizona | $2,426 | $1,213 | $202 |
| California | $3,077 | $1,539 | $256 |
| Colorado | $3,272 | $1,636 | $273 |
| Connecticut | $2,517 | $1,259 | $210 |
| Washington, D.C. | $3,005 | $1,502 | $250 |
| Delaware | $2,481 | $1,240 | $207 |
| Florida | $2,931 | $1,466 | $244 |
| Georgia | $3,056 | $1,528 | $255 |
| Hawaii | $1,549 | $774 | $129 |
| Iowa | $2,161 | $1,080 | $180 |
| Idaho | $1,662 | $831 | $138 |
| Illinois | $2,431 | $1,215 | $203 |
| Indiana | $2,272 | $1,136 | $189 |
| Kansas | $2,679 | $1,340 | $223 |
| Kentucky | $2,988 | $1,494 | $249 |
| Louisiana | $3,957 | $1,979 | $330 |
| Massachusetts | $2,203 | $1,101 | $184 |
| Maryland | $2,329 | $1,164 | $194 |
| Maine | $1,733 | $866 | $144 |
| Michigan | $3,041 | $1,520 | $253 |
| Minnesota | $2,749 | $1,374 | $229 |
| Missouri | $2,960 | $1,480 | $247 |
| Mississippi | $2,608 | $1,304 | $217 |
| Montana | $2,755 | $1,377 | $230 |
| North Carolina | $1,851 | $926 | $154 |
| North Dakota | $2,286 | $1,143 | $190 |
| Nebraska | $2,714 | $1,357 | $226 |
| New Hampshire | $1,837 | $918 | $153 |
| New Jersey | $2,266 | $1,133 | $189 |
| New Mexico | $2,585 | $1,293 | $215 |
| Nevada | $2,362 | $1,181 | $197 |
| New York | $1,846 | $923 | $154 |
| Ohio | $1,904 | $952 | $159 |
| Oklahoma | $2,734 | $1,367 | $228 |
| Oregon | $2,377 | $1,188 | $198 |
| Pennsylvania | $2,599 | $1,300 | $217 |
| Rhode Island | $2,964 | $1,482 | $247 |
| South Carolina | $2,397 | $1,199 | $200 |
| South Dakota | $3,055 | $1,528 | $255 |
| Tennessee | $2,669 | $1,335 | $222 |
| Texas | $3,623 | $1,812 | $302 |
| Utah | $2,030 | $1,015 | $169 |
| Virginia | $1,909 | $955 | $159 |
| Vermont | $1,729 | $865 | $144 |
| Washington | $2,029 | $1,014 | $169 |
| Wisconsin | $1,940 | $970 | $162 |
| West Virginia | $2,408 | $1,204 | $201 |
| Wyoming | $2,652 | $1,326 | $221 |
How your age impacts GMC Sierra 1500 insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,085 | $4,543 | $757 |
| Adults | $2,490 | $1,245 | $207 |
The bottom line
Knowing how much it costs to insure a GMC Sierra 1500 is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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