Jerry SummaryGMC car insurance costs $252 per month, on average, according to a August 2025 analysis of full coverage auto insurance quotes for Jerry customers. offers the cheapest coverage at $148 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.
GMC auto insurance costs can vary widely. Here are average costs for a variety of models, the cheapest and best insurers, plus how to shop for GMC car insurance.
Average GMC car insurance costs
The average cost of full coverage GMC car insurance is $252 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $122 per month.
GMC insurance costs aren’t one-size-fits-all. They depend on the vehicle’s model, its age and your personal risk profile. Expensive cars usually mean higher premiums, but there are exceptions. To find the best rate, compare multiple car insurance quotes for the GMC you’re considering.
These full coverage insurance rates from Jerry’s data analysis offer a snapshot of average auto insurance costs for various GMC models.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| Acadia | $261 |
| C1500 | $143 |
| C2500 | $133 |
| C3500 | $71 |
| Canyon | $249 |
| Envoy | $222 |
| G2500 | $203 |
| Hummer | $319 |
| Jimmy | $213 |
| K1500 | $221 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by GMC model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| Acadia | $132 |
| C1500 | $88 |
| Canyon | $116 |
| Envoy | $128 |
| Hummer | $65 |
| Jimmy | $110 |
| K1500 | $111 |
| K2500 | $85 |
| R1500 | $141 |
| Rally | $111 |
Average cost of GMC car insurance, by state
The cost of car insurance varies based on which state you live in. That’s because each state has its own risk factors, like weather events, crime rates, population density and uninsured motorists.
For example, full coverage GMC auto insurance in Arizona costs an average of $233 per month. In Illinois, the monthly average is $181.
Below are the average full coverage costs of GMC car insurance, by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $169 |
| AR | $218 |
| AZ | $233 |
| CA | $237 |
| CO | $257 |
| CT | $279 |
| DC | $259 |
| DE | $345 |
| FL | $303 |
| GA | $326 |
Factors that affect GMC car insurance costs
Searching for the right car insurance policy can be like searching for a needle in a haystack. That’s because premiums are based on several factors:
- Models: Newer or high-end GMC models like the GMC Denali or AT4 are more expensive to purchase and have higher repair and replacement costs—so they are more costly to insure.
- Popularity: GMC vehicles are all over the road. Popularity can sometimes influence insurance rates, as more popular models are associated with higher theft rates.
- Vehicle model: Different GMC models have different insurance rates. For example, insurance for the GMC Terrain will likely have lower insurance than a GMC Sierra AT4.
- Driving history: Driving history of the vehicle’s owner’s driving history significantly impacts insurance rates. A record of at-fault accidents and driving violations tells insurers you’re high risk, which spikes insurance rates.
- Location: Where you live can also impact insurance premiums. Some areas are subject to higher crime or severe weather conditions, which can lead to higher premiums.
- Vehicle use: Whether you use your GMC for commercial or leisure purposes can increase or decrease your monthly payments.
- Safety ratings: Insurance rates are also influenced by vehicle safety features—the safer the vehicle, the less you’ll pay.
- Vehicle cost: The more expensive your vehicle is, the more expensive insurance coverage will be—especially if you’re driving a luxury, high-performance, or sports car.
- Vehicle age: Newer models typically cost more to insure due to newer technology and a higher repair and replacement cost.
- Vehicle safety features: GMCs have good safety ratings, and newer models equipped with GMC Pro Safety Plus may see lower car insurance rates.
- Your age: Drivers under 25—especially drivers 16 to 19—pay the highest insurance rates due to limited driving experience. Senior drivers over 70 also pay high rates.
- Your driving record and claims history: Auto insurance companies look at your accident record to determine your risk level and typically reward good drivers with lower insurance rates (and discounts).
- Credit history: Some insurers use your credit score (FICO score) to determine your risk level as a customer. Drivers with good credit history typically have lower insurance rates.
- Coverage: Purchasing minimum coverage is less expensive than a full coverage insurance policy.
Here are some specific factors that impact auto insurance rates for GMCs:
- Safety features: Most GMC vehicles are equipped with GMC safety features like blind spot monitoring, rear cross-traffic alert, forward collision alert, and more. All of these features help to lower insurance rates for good drivers.
- Engine: GMC doesn’t produce any high-performance vehicles, but models with larger engines, such as the GMC Sierra 1500 AT4 or the GMC Canyon Denali, may have higher insurance rates due to a higher risk of accidents.
Best GMC car insurance
To find the best car insurance companies, Jerry’s editorial team conducts yearly evaluations using metrics like complaint frequency and a carrier’s financial strength.
Here are our recommended companies for 2025.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
These providers are great for many drivers, but not all operate in every state. Click below to view the top car insurers in your state.
Click for the best car insurance by state.
Cheapest GMC car insurance
Full coverage
Aspire Advantage offers the cheapest full coverage car insurance for GMC, with an average rate of $148 per month.
Jerry’s data highlights these carriers as the cheapest car insurance options for a GMC with full coverage.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Aspire Advantage | $148 |
| AAA | $171 |
| Mercury | $171 |
| Anchor General | $202 |
| Safeco | $208 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the cheapest minimum coverage auto insurance for GMC, with an average rate of $40 per month.
These are the most cost-effective insurance companies for minimum coverage for a GMC, according to Jerry’s analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $40 |
| Aspire Advantage | $82 |
| Embark General | $89 |
| Safeco | $99 |
| Geico | $105 |
By state
The cheapest GMC insurance company varies between states, due to varying state regulations and minimum requirements. To see the cheapest carriers in your state, click below.
Click for the cheapest car insurance by state.
GMC Acadia auto insurance costs
The average car insurance cost for a GMC Acadia is $261 per month, according to Jerry’s data analysis of full coverage quotes.
Here are Acadia auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Gmc Acadia | $244 |
| Gmc Acadia All Terrain | $314 |
| Gmc Acadia At4 | $260 |
| Gmc Acadia Denali | $240 |
| Gmc Acadia Elevation | $266 |
| Gmc Acadia Limited Slt-2 | $273 |
| Gmc Acadia Sl | $287 |
| Gmc Acadia Sle | $258 |
| Gmc Acadia Slt | $322 |
| Gmc Acadia Slt-1 | $264 |
GMC Sierra auto insurance costs
The average car insurance cost for a GMC Sierra is $248 per month, according to an analysis of full coverage quotes to real Jerry customers.
Here are Sierra auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Gmc Sierra C1500 | $222 |
| Gmc Sierra C1500 Classic | $233 |
| Gmc Sierra C1500 Classic Hd | $242 |
| Gmc Sierra C1500 Denali | $282 |
| Gmc Sierra C1500 Elevati | $361 |
| Gmc Sierra C1500 Elevation | $281 |
| Gmc Sierra C1500 Hd | $162 |
| Gmc Sierra C1500 Heavy Duty | $182 |
| Gmc Sierra C1500 Hybrid | $139 |
| Gmc Sierra C1500 Sl | $228 |
GMC Terrain auto insurance costs
The average car insurance cost for a GMC Terrain is $264 per month, according to Jerry’s full coverage quote data.
Here are Terrain auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Gmc Terrain At4 | $285 |
| Gmc Terrain Denali | $273 |
| Gmc Terrain Elevation | $312 |
| Gmc Terrain Sl | $268 |
| Gmc Terrain Sle | $259 |
| Gmc Terrain Slt | $270 |
GMC Yukon auto insurance costs
The average car insurance cost for a GMC Yukon is $244 per month, according to Jerry’s analysis of full coverage quotes.
Here are Yukon auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Gmc Yukon | $233 |
| Gmc Yukon At4 | $227 |
| Gmc Yukon Denali | $246 |
| Gmc Yukon Denali Xl | $261 |
| Gmc Yukon Hybrid | $325 |
| Gmc Yukon Sle | $288 |
| Gmc Yukon Slt | $256 |
| Gmc Yukon Xl C1500 | $214 |
| Gmc Yukon Xl C1500 Sle | $273 |
| Gmc Yukon Xl C1500 Slt | $232 |
GMC car insurance shopping tips
GMCs might have lower insurance rates than others, but depending on your vehicle and driving profile, it can still be pricey. Here are some tips to help reduce monthly insurance payments without sacrificing coverage:
- Shop around: Insurance rates aren’t consistent between carriers—and some insurers offer different discounts—so shopping around and comparing quotes from at least three providers can help you find the right coverage at the lowest price.
- Ask about discounts: Many insurance providers offer various car insurance discounts, such as a safe driver discount, bundling policies, or installing safety features in your GMC. Check with your insurer to see what discounts are available to you.
- Choose the right coverage: You’ll need insurance that meets your state’s minimum requirements, but consider your budget when choosing additional coverage. For example, if you have an older GMC, you may not need as much coverage as someone with a brand-new GMC.
- Increase your deductible: Your deductible is the amount you’ll pay out of pocket before your insurance kicks in. A higher deductible can reduce your monthly payments, but you’ll need to be sure you can cover your deductible if you’re involved in an accident.
- Maintain a clean driving record: Your driving record is a significant factor in calculating your GMC insurance rates. You may qualify for lower rates if you maintain a clean driving record with no accidents or driving violations.
- Check insurance rates before you buy: Some GMC models are more expensive to insure than others. When shopping for a car, inquire about insurance rates before you buy.
- Bundle your policies: Bundle your auto with home insurance for a discount.
- Consider usage-based insurance: Some insurers offer insurance programs that track your driving habits using telematics and adjust your monthly payments accordingly. This is a great option if you don’t drive your GMC frequently.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
