GMC Car Insurance Costs for October 2025

Written by R.E. Fulton and 2 others
Updated Oct 14, 2025
Insurance price card

GMC Car Insurance Costs for October 2025

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Jerry Summary

GMC car insurance costs  $246 per month, on average, according to a October 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  $247 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of  $119 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
Suburban $117
K2500 $176
ACADIA $226
V1500 $201
Yukon $240
Canyon $241
Safari $157
Hummer $402
C2500 $120
SIERRA $206
Terrain $262
YUKON $219
G2500 $173
Sonoma $175
R1500 $195
TERRAIN $253
Envoy $204
ENVOY $202
CANYON $204
SUBURBAN $161
SONOMA $191
Jimmy $218
Acadia $258
Rally $159
C1500 $154
Sierra $257
SAFARI $587
K1500 $223
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Click for average minimum coverage costs, by GMC model.
Car Model
Avg Monthly Quote
R1500 $134
ACADIA $133
K2500 $84
V1500 $100
Canyon $115
Yukon $130
Terrain $121
Sonoma $117
SIERRA $91
YUKON $120
Acadia $128
CANYON $114
Hummer $96
Safari $98
Envoy $121
K1500 $124
TERRAIN $103
C1500 $80
Rally $111
ENVOY $70
SUBURBAN $90
SAFARI $516
Jimmy $121
SONOMA $89
Sierra $120
Sierra $257
SAFARI $587
K1500 $223
Last Updated Oct. 15, 2025

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  $224 per month. In Illinois, the monthly average is  $188.

Below are the average full coverage costs of GMC car insurance, by state.

State
Avg Monthly Quote
LA $313
AR $192
NV $375
WA $225
MN $192
MT $140
MS $212
VT $102
MI $277
OK $184
NE $189
ND $137
NM $144
IA $120
KY $322
RI $262
IN $139
GA $306
MA $215
SD $174
MO $229
WI $158
FL $302
NC $125
TX $263
NJ $302
OR $198
VA $226
MD $350
DC $419
TN $172
AZ $224
NY $557
WV $214
CO $257
PA $241
DE $266
WY $98
OH $166
KS $160
NH $120
AL $169
UT $201
ID $139
CA $225
IL $188
ME $143
SC $268
CT $275
Last Updated Oct. 15, 2025

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 companyBest for:Jerry star rating (out of 5)
GeicoOverall car insurance.5
Auto-OwnersSmall insurance company.4.9
NationwideUsage-based insurance.4.7
AllstateDiscounts.4.7
FarmersCustomizable options.4.6
ProgressiveLoyal 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
Mercury $169
Safeco $198
Embark General $201
Anchor General $205
$140
$212
$102
$277
$184
$189
$137
$144
$120
$322
$262
$139
$306
$215
$174
$229
$158
$302
$125
$263
$302
$198
$226
$350
$419
$172
$224
$557
$214
$257
$241
$266
$98
$166
$160
$120
$169
$201
$139
$225
$188
$143
$268
$275
Last Updated Oct. 15, 2025

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for GMC, with an average rate of  $50 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 $48
Aspire Advantage $85
Embark General $85
Safeco $88
Geico $92
$140
$212
$102
$277
$184
$189
$137
$144
$120
$322
$262
$139
$306
$215
$174
$229
$158
$302
$125
$263
$302
$198
$226
$350
$419
$172
$224
$557
$214
$257
$241
$266
$98
$166
$160
$120
$169
$201
$139
$225
$188
$143
$268
$275
Last Updated Oct. 15, 2025

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  $259 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 $288
Gmc Acadia All Terrain $297
Gmc Acadia At4 $233
Gmc Acadia Denali $248
Gmc Acadia Elevation $256
Gmc Acadia Limited Slt-2 $324
Gmc Acadia Sl $246
Gmc Acadia Sle $254
Gmc Acadia Slt $330
Gmc Acadia Slt-1 $255
Gmc Acadia Slt-2 $235
Gmc Acadia Uplevel $463
$144
$120
$322
$262
$139
$306
$215
$174
$229
$158
$302
$125
$263
$302
$198
$226
$350
$419
$172
$224
$557
$214
$257
$241
$266
$98
$166
$160
$120
$169
$201
$139
$225
$188
$143
$268
$275
Last Updated Oct. 15, 2025

GMC Sierra auto insurance costs

The average car insurance cost for a GMC Sierra is  $257 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 At4 $226
Gmc Sierra C1500 $226
Gmc Sierra C1500 Classic $189
Gmc Sierra C1500 Denali $306
Gmc Sierra C1500 Elevati $349
Gmc Sierra C1500 Hd $182
Gmc Sierra C1500 Hybrid $276
Gmc Sierra C1500 Sl $197
Gmc Sierra C1500 Sle $267
Gmc Sierra C1500 Slt $295
Gmc Sierra C2500 $226
Gmc Sierra C2500 Crew Ca $179
Gmc Sierra C2500 Denali $327
Gmc Sierra C2500 Hd $252
Gmc Sierra C2500 Sle $263
Gmc Sierra C2500 Slt $209
Gmc Sierra C3500 $268
Gmc Sierra C3500 Denali $239
Gmc Sierra C3500 Sle $240
Gmc Sierra Denali $327
Gmc Sierra K1500 $204
Gmc Sierra K1500 At4 $319
Gmc Sierra K1500 At4x $205
Gmc Sierra K1500 C3 $183
Gmc Sierra K1500 Classic $379
Gmc Sierra K1500 Denali $285
Gmc Sierra K1500 Elevati $326
Gmc Sierra K1500 Hd $203
Gmc Sierra K1500 Sle $227
Gmc Sierra K1500 Slt $254
Gmc Sierra K2500 $225
Gmc Sierra K2500 At4 $356
Gmc Sierra K2500 At4x $212
Gmc Sierra K2500 Crew Ca $251
Gmc Sierra K2500 Denali $318
Gmc Sierra K2500 Hd $241
Gmc Sierra K2500 Sle $297
Gmc Sierra K2500 Slt $232
Gmc Sierra K3500 $211
Gmc Sierra K3500 At4 $174
Gmc Sierra K3500 Denali $310
Gmc Sierra K3500 Slt $211
Gmc Sierra Limited C1500 $349
Gmc Sierra Limited K1500 $251
$225
$188
$143
$268
$275
Last Updated Oct. 15, 2025

GMC Terrain auto insurance costs

The average car insurance cost for a GMC Terrain is  $261 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 $306
Gmc Terrain Denali $244
Gmc Terrain Elevation $383
Gmc Terrain Sl $259
Gmc Terrain Sle $255
Gmc Terrain Slt $271
Gmc Sierra C1500 Hybrid $276
Gmc Sierra C1500 Sl $197
Gmc Sierra C1500 Sle $267
Gmc Sierra C1500 Slt $295
Gmc Sierra C2500 $226
Gmc Sierra C2500 Crew Ca $179
Gmc Sierra C2500 Denali $327
Gmc Sierra C2500 Hd $252
Gmc Sierra C2500 Sle $263
Gmc Sierra C2500 Slt $209
Gmc Sierra C3500 $268
Gmc Sierra C3500 Denali $239
Gmc Sierra C3500 Sle $240
Gmc Sierra Denali $327
Gmc Sierra K1500 $204
Gmc Sierra K1500 At4 $319
Gmc Sierra K1500 At4x $205
Gmc Sierra K1500 C3 $183
Gmc Sierra K1500 Classic $379
Gmc Sierra K1500 Denali $285
Gmc Sierra K1500 Elevati $326
Gmc Sierra K1500 Hd $203
Gmc Sierra K1500 Sle $227
Gmc Sierra K1500 Slt $254
Gmc Sierra K2500 $225
Gmc Sierra K2500 At4 $356
Gmc Sierra K2500 At4x $212
Gmc Sierra K2500 Crew Ca $251
Gmc Sierra K2500 Denali $318
Gmc Sierra K2500 Hd $241
Gmc Sierra K2500 Sle $297
Gmc Sierra K2500 Slt $232
Gmc Sierra K3500 $211
Gmc Sierra K3500 At4 $174
Gmc Sierra K3500 Denali $310
Gmc Sierra K3500 Slt $211
Gmc Sierra Limited C1500 $349
Gmc Sierra Limited K1500 $251
$225
$188
$143
$268
$275
Last Updated Oct. 15, 2025

GMC Yukon auto insurance costs

The average car insurance cost for a GMC Yukon is  $240 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 $220
Gmc Yukon At4 $249
Gmc Yukon Denali $241
Gmc Yukon Denali Hybrid $479
Gmc Yukon Denali Ultimat $226
Gmc Yukon Denali Xl $271
Gmc Yukon Elevation $1,254
Gmc Yukon Hybrid $325
Gmc Yukon Sle $265
Gmc Yukon Slt $243
Gmc Yukon Xl C1500 $213
Gmc Yukon Xl C1500 Sle $270
Gmc Yukon Xl C1500 Slt $277
Gmc Yukon Xl C2500 $236
Gmc Yukon Xl K1500 $202
Gmc Yukon Xl K1500 At4 $140
Gmc Yukon Xl K1500 Sle $334
Gmc Yukon Xl K1500 Slt $265
Gmc Yukon Xl K2500 $199
Gmc Sierra Denali $327
Gmc Sierra K1500 $204
Gmc Sierra K1500 At4 $319
Gmc Sierra K1500 At4x $205
Gmc Sierra K1500 C3 $183
Gmc Sierra K1500 Classic $379
Gmc Sierra K1500 Denali $285
Gmc Sierra K1500 Elevati $326
Gmc Sierra K1500 Hd $203
Gmc Sierra K1500 Sle $227
Gmc Sierra K1500 Slt $254
Gmc Sierra K2500 $225
Gmc Sierra K2500 At4 $356
Gmc Sierra K2500 At4x $212
Gmc Sierra K2500 Crew Ca $251
Gmc Sierra K2500 Denali $318
Gmc Sierra K2500 Hd $241
Gmc Sierra K2500 Sle $297
Gmc Sierra K2500 Slt $232
Gmc Sierra K3500 $211
Gmc Sierra K3500 At4 $174
Gmc Sierra K3500 Denali $310
Gmc Sierra K3500 Slt $211
Gmc Sierra Limited C1500 $349
Gmc Sierra Limited K1500 $251
$225
$188
$143
$268
$275
Last Updated Oct. 15, 2025

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 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
You’re minutes away from insurance savings.