Over the past year, Jerry has helped 27,134 GMC drivers find smarter coverage and real savings. By analyzing real GMC insurance policies, we know what owners are actually paying and what you can expect for each level of protection.
Competitive annual prices for GMC drivers are currently around:
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$820 for basic coverage.
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$2,022 for standard coverage.
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$2,333 for premium coverage.
Now, these numbers are just a starting point. Your actual rate depends on factors like which GMC you drive, your driving record and where you live.
On average, GMC drivers pay between $1,742 and $4,011 annually for full coverage, with an average premium around $3,303. That’s lower than the national average of $4,122, reflecting GMC’s powerful performance, advanced tech and higher repair costs for trucks and SUVs.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal on GMC car insurance, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your GMC insurance with Jerry.
How much does GMC car insurance cost?
GMC auto insurance rates can vary, but Jerry makes it easy to see what real drivers with your model and profile are actually paying today.
Recent quotes
Name | Date | Model | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
| Cornelia, 61, Cookeville, TN | 10/30/26 | Sonoma | Gainsco | Basic + Full Coverage | $50 | 44% |
| Benjamin, 39, Peoria, AZ | 10/30/26 | Sierra K1500 Denali | Clearcover | Basic + Full Coverage | $153 | 13% |
| Dustin, 19, Houston, TX | 10/30/26 | Terrain | Progressive | Basic + Full Coverage | $219 | 27% |
| Alfred, 22, Bakersfield, CA | 10/30/26 | Sierra K2500 Sle | Mercury | Standard | $333 | 5% |
| Tillie, 18, Darwin, MN | 10/30/26 | Yukon | Root | Standard | $105 | 34% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even in the same city, two GMC drivers can pay very different premiums. Jerry compares rates from leading insurers to help you find coverage that fits your vehicle, lifestyle and budget.
Insurance costs for other makes
How much does insurance cost for each GMC model?
GMC and Chevrolet share platforms, but GMC’s slightly higher trim positioning means insurance costs run a touch higher on average. Trucks dominate the lineup, and full-size vehicles like the Sierra and Yukon carry higher premiums than smaller options. Find your model below to see what Jerry drivers are currently paying.
Model | Average monthly cost | Average annual cost |
|---|---|---|
| S 15 | $104 | $1,244 |
| C1500 | $113 | $1,358 |
| Sierra C2500 Crew Ca | $131 | $1,576 |
| Safari | $135 | $1,622 |
| Jimmy S15 | $141 | $1,690 |
| K1500 Suburban | $144 | $1,732 |
| K1500 | $151 | $1,811 |
| Sierra C3500 Denali | $152 | $1,830 |
| Sierra K2500 Heavy Duty | $153 | $1,833 |
| Sierra K1500 C3 | $155 | $1,864 |
| C2500 | $158 | $1,892 |
| Sierra K1500 Hybrid | $160 | $1,916 |
| Denali XL K1500 | $162 | $1,941 |
| Sierra K2500 | $163 | $1,952 |
| W4 | $164 | $1,971 |
| Jimmy | $164 | $1,972 |
| Safari Xt | $167 | $2,006 |
| Savana G1500 LT | $169 | $2,023 |
| New Sierra K1500 | $174 | $2,083 |
| Savana Rv G1500 | $174 | $2,086 |
| Sierra C3500 Slt | $175 | $2,099 |
| Envoy Sle | $178 | $2,137 |
| Yukon XL C2500 | $179 | $2,151 |
| Sierra K2500 Crew Ca | $185 | $2,224 |
| Sonoma | $188 | $2,251 |
| New Sierra C1500 | $188 | $2,260 |
| Sierra K1500 Sierra 4-Door Extended Cab | $190 | $2,283 |
| Sierra C1500 Hd | $192 | $2,299 |
| Sierra K1500 Classic | $194 | $2,328 |
| Envoy | $195 | $2,343 |
| Savana G1500 | $196 | $2,349 |
| Yukon XL Denali | $197 | $2,359 |
| Envoy Xuv | $203 | $2,432 |
| Envoy Slt | $206 | $2,467 |
| C1500 Suburban | $207 | $2,478 |
| Sierra C2500 | $207 | $2,484 |
| Acadia Denali Ultima | $207 | $2,487 |
| Envoy XL | $210 | $2,523 |
| Sierra K1500 Elevation-L | $211 | $2,531 |
| Vandura G2500 | $212 | $2,538 |
| Savana G3500 | $213 | $2,557 |
| Sierra | $214 | $2,565 |
| Yukon XL K2500 | $214 | $2,569 |
| New Sierra K1500 Cla | $214 | $2,572 |
| Sierra K3500 | $219 | $2,625 |
| K2500 Suburban | $222 | $2,667 |
| Envoy Denali | $223 | $2,679 |
| Acadia | $227 | $2,724 |
| Yukon | $229 | $2,753 |
| Canyon | $230 | $2,763 |
| Yukon Denali Ultimat | $231 | $2,774 |
| Sierra K1500 | $235 | $2,825 |
| Sierra C2500 Hd | $237 | $2,850 |
| New Sierra C1500 Cla | $238 | $2,860 |
| Acadia Sl | $238 | $2,861 |
| Sierra C1500 Classic | $239 | $2,867 |
| Sierra C3500 Sle | $239 | $2,867 |
| C2500 Suburban | $241 | $2,887 |
| Yukon XL C1500 | $241 | $2,898 |
| Savana G2500 | $242 | $2,910 |
Based on Jerry customers with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
What’s the best GMC car insurance?
GMC vehicles combine strength, capability and comfort, so protecting them takes more than minimum coverage. The right policy balances performance protection with value for your specific model.
If you have a loan or lease on your GMC, your lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that GMC drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it provides strong, well-rounded protection for a premium truck or SUV.
No matter your insurer, lender, or budget, there are several coverage options that can help protect your GMC. Here are some of the most common, what they include and why GMC owners choose them.
Higher liability limits
GMC vehicles deliver serious power and capability, which can make at-fault accidents costly. Nearly half (48%) of Jerry GMC drivers choose higher-than-minimum coverage for added protection.
Full coverage
Comprehensive and collision protect your GMC from theft, weather damage, and at-fault accidents. About 46% of Jerry GMC drivers carry full coverage for total confidence on and off the road.
OEM parts coverage
Keeps your GMC running at its best after a claim with factory-certified parts and expert service. Typically available for vehicles three to ten years old.
New car replacement
Replaces your GMC with a brand-new model if it’s totaled early on. Larger SUVs and trucks can be expensive to repair, making this coverage especially valuable.
Roadside assistance
Covers towing, jump-starts, and lockouts. New GMCs include roadside assistance for up to five years, though many owners extend it for ongoing coverage.
Rental reimbursement
Covers the cost of a rental vehicle while your GMC is in the shop. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your GMC is totaled. About 39% of all drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates from spiking after your first at-fault accident. Without it, GMC drivers see average increases of 25%, sometimes more.
See coverage options for your GMC.
Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways GMC drivers can shop and lower insurance costs
Getting the right GMC insurance means balancing coverage and cost without compromising protection. But that can mean different things for each driver.
Jerry’s experts work with GMC drivers every day to help them save on premiums while keeping their coverage professional-grade. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 42% to 70% among GMC drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Set your rate with telematics | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes to see which carriers have the best price
Not every insurer gets GMC pricing right. Some overestimate repair costs, while others overlook the brand’s proven durability. The result? Big differences in what you pay for the same coverage.
Here’s where GMC drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | GMC drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 35% | 21% |
| Root | 10% | 21% |
| The General | 10% | 20% |
| Assurance America | 6% | 33% |
| Bristol West | 6% | 10% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: GMC drivers can save up to a third just by comparing quotes. Jerry shows live prices in real time to help you find the best deal before you buy.
Tip 2: Stack discounts for bigger savings
Many GMC owners qualify for discounts like safe driving, low mileage or bundling home and auto, but insurers don’t always apply them automatically.
Jerry finds your available discounts so you don’t miss an opportunity to save.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust coverage for your GMC
Every GMC has its own coverage sweet spot, whether you want to replace your existing GMC Acadia car insurance or buy a new Terrain policy. Most owners will need more than the state minimum to best protect themselves financially.
Minimum
$62 – $142/mo
Offers the legal minimum limits, which vary by state.
Full
$128 – $286/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$128 – $318/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$155 – $359/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most GMC drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend a minimum of 100/300/100 for strong protection without breaking the bank.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Tip 4: Use telematics to get rewarded for good driving
Telematics programs track your mileage and habits through an app or plug-in device, adjusting your rate based on real-world driving. For GMC drivers, especially those with predictable routes or moderate mileage, these programs can cut costs by 6% on average, and even more in some cases.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real GMC drivers, real savings
Curious how much GMC owners are saving? Here are real drivers, their vehicles and the deals they found by comparing quotes with Jerry.
Recent quotes
Customer | Model | Date | Insurer | Old rate | New rate | Savings |
|---|---|---|---|---|---|---|
| Cornelia, 61, Cookeville, TN | Sonoma | 10/30/26 | Gainsco | $1,068 | $596 | $472 |
| Benjamin, 39, Peoria, AZ | Sierra K1500 Denali | 10/30/26 | Clearcover | $2,100 | $1,834 | $266 |
| Dustin, 19, Houston, TX | Terrain | 10/30/26 | Progressive | $3,600 | $2,625 | $975 |
| Alfred, 22, Bakersfield, CA | Sierra K2500 Sle | 10/30/26 | Mercury | $4,200 | $3,994 | $206 |
| Stanley, 41, Los Angeles, CA | Yukon XL C1500 | 10/30/26 | Root | $2,160 | $2,034 | $126 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.8 out of 5 stars on Trustpilot.
Drive with confidence
GMC insurance rates can vary, but paying more than you should isn’t part of the plan. Whether you drive a Sierra, Terrain or Yukon, Jerry helps you find coverage that reflects GMC’s professional-grade standard.
We compare top insurers, uncover every discount and manage renewals for you, so your coverage stays as strong as your drive.
It only takes 2 minutes to sign up at Jerry.
FAQ
- Is GMC more expensive to insure than Chevrolet?
- Does a GMC Yukon cost more to insure than a GMC Terrain?
- What coverage do I need for a financed GMC truck?
- How much does it cost to insure a GMC?
- How do I lower my GMC insurance rate?
- How much does it cost to insure a GMC Acadia?
- How much does it cost to insure a GMC Sierra?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
