Over the past year, Jerry has helped 12,851 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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$875 for basic coverage.
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$2,023 for standard coverage.
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$2,320 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 $1,958 and $3,918 annually for full coverage, with an average premium around $3,241. That’s slightly higher than the national average of $3,817, 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, 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 insurance cost?
GMC 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
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
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.
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 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.
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Coverage definitions
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 vary by state, coverage, driver profile and other factors.
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:
| Insurance carrier | 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 vary by state, coverage, driver profile and other factors.
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
From the Sierra and Canyon to the Terrain and Yukon, every GMC has its own coverage sweet spot. Most owners will need more than the state minimum to best protect themselves financially.
Minimum
$65– $140/mo
Offers the legal minimum limits, which vary by state.
Full
$125– $248/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$158– $320/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$181– $362/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.
Methodology
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.
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
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 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.
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.
