GMC is a division of General Motors (GM) and a long-standing American brand known for its dependable trucks and SUVs. Whether you’re looking for a work truck or a luxury SUV, GMC has an extensive lineup from which to choose.

If you’re looking to insure your GMC, the average cost of insurance is $93 per month for liability-only coverage and $174 per month for full coverage, according to Insurify data. This is comparable to similar brands like Chevrolet and Toyota.

Here’s what you should know to find the right car insurance for your GMC.

Cost of GMC insurance by model

Different makes and models of GMC vehicles come with different insurance premiums. Insurers consider factors such as the value of your vehicle, the likelihood of theft, its overall safety, and repair costs.

The following table shows the overall average monthly quotes for some of the most popular GMC models.

Cheapest GMC insurance by model

If you drive a GMC, it’s a good idea to compare car insurance quotes to find the cheapest rate for the specific model and trim level. Below, we highlight some of the cheapest car insurance companies for GMC’s most popular models.

  • GMC’s Acadia is a roomy three-row SUV. The 2025 Acadia comes in three different styles: the Elevation, with a manufacturer’s suggested retail price (MSRP) of $44,277, the AT4 ($50,657), and the Denali ($55,210).1 In general, the Acadia has an average insurance rate of $131 per month.

    A similar model, the 2025 Toyota Crown Signia, has a comparable base MSRP of $44,985 but is more expensive to insure, with an average monthly rate of $187.

    The table below lists the overall average car insurance rates for the GMC Acadia from some of the top insurers.

  • The GMC Canyon is one of the most popular midsize trucks on the market, according to Kelley Blue Book (KBB). The Canyon has an MSRP ranging from $40,095 to $53,695, depending on the trim. For comparison, the Toyota Tacoma, a close competitor, has an MSRP of $33,085 to $54,050.

    Check out the following table for overall average monthly rates for the GMC Canyon for various insurers.

  • Although GMC discontinued the Envoy in 2009, you can still find this SUV on the road. The MSRP for the 2009 Envoy ranged from $32,550 for the SLE Sport Utility 4D to $38,460 for the top-of-the-line Denali Sport Utility 4D. In 2025, a fair price for an Envoy ranges from $8,351 for the SLE Sport and $8,169 for the Denali.

    Similar models include the Mitsubishi Outlander, Honda Pilot, and GMC Terrain, which all have a similar MSRP range.

    Due to its age, the Envoy has fairly low average rates, at $102 per month, but you can find much lower rates. 

    Take a look at the following table, which lists the insurers offering the best overall average rates for the GMC Envoy.

  • The GMC Savana is a full-size van that’s been on the market for more than 20 years. The starting price of a 2025 Savana 2500 Cargo is $43,795 and goes up to $45,695 for the 2500 Cargo Extended. Other trims include the 3500 Cargo, 2500 Passenger, and 3500 Passenger, which has a starting MSRP of $50,545.

    One of the closest models of comparison is the 2025 Chevrolet Express, which has an MSRP ranging from $43,796 to $50,545 for the Express 3500 Passenger model.

    The following table lists the total average monthly rates for the GMC Savana for various insurers.

  • J.D. Power rates the GMC Sierra as one of the best trucks on the market.2

    The 2025 GMC Sierra 1500 has a starting MSRP of $40,495 and goes up to $46,195 for a 1500 Crew Cab. It has an average monthly rate of $141.

    The Sierra is priced higher than one of its main competitors, the Toyota Tacoma, which has a starting MSRP of $37,715 and a lower average monthly rate of $134.

    The table below highlights the cheapest average rates from various insurers for the GMC Sierra.

  • If you’re looking for a budget-friendly option, the Terrain is GMC’s smallest and cheapest SUV. The starting MSRP for a 2025 Terrain is $31,395, which is comparable to similar models, like the Nissan Rogue ($29,980) and the Honda CR-V ($31,495).

    The following table lists the companies offering some of the best overall average insurance rates for a GMC Terrain.

  • The GMC Yukon is a popular full-size SUV. It ranks as one of the best full-size SUVs of 2025 by KBB. With a starting price of $69,395, the Yukon is one of the more expensive and luxurious vehicles offered by GMC.

    The starting price for the top-of-the-line Yukon Denali Ultimate is $103,995. The MSRP for the Yukon is slightly more expensive than similar full-size SUVs, including the Toyota Sequoia ($64,360) and the Porsche Macan ($64,895).

    Here are some of the insurers offering the best average monthly premiums for the GMC Yukon.

  • The Hummer EV is the newer version of the gas-powered Hummer, which was discontinued in 2010. Car and Driver ranks it in the top-10 EV trucks, with the 2025 edition having up to 318 miles of battery range and a tow load of 12,000 pounds.

    The MSRP ranges from $99,045 for the base trim to $107,145 for the highest trim. It has an average insurance rate of $223 per month.

    Competitor models like the Rivian R1T and Ford F-150 Lightning boast lower MSRPs of $71,700 and $51,975, respectively.3

    Here are the cheapest rates for a Hummer EV.

Best companies for GMC car insurance

Regardless of the GMC model you drive, you want to find the best insurance company for your needs. USAA, GEICO, and State Farm take our top three spots for the most affordable options for GMC drivers. But your rates can vary widely based on personal factors such as your age, gender, location, and driving record.

USAA: Best for military members

GEICO: Best for discounts

State Farm: Best for customer satisfaction

Average cost of GMC insurance by state

Your location is one of the factors that affect your car insurance rates. If you live in a big city with higher rates of theft, vandalism, or accidents, you’ll likely pay higher rates than someone who lives in a small town that experiences fewer incidents.

The chart below highlights how much drivers pay for car insurance in different states across all GMC models. Alaska and Hawaii aren’t included due to insufficient data.

How to get insurance through General Motors

General Motors (GM) Insurance, formerly OnStar Insurance, was rebranded in January 2024. GM insurance is currently available to drivers of Chevrolet, Buick, Cadillac, and GMC vehicles with model years of 2016 and newer. It uses connected vehicle technology, such as in-vehicle Wi-Fi and real-time maps, to determine your auto insurance rates. The safer you drive, the lower your rates may be.

For instance, wearing your seat belt, avoiding aggressive braking, and minding your speed can all contribute to safer driving and lower rates.

Drivers of GM models from before 2016 can still access traditional auto insurance coverage.

GM Insurance offers a variety of car insurance discounts to help you save, including loyalty, good student, accident-free, multi-vehicle discounts, and several more. The company also works with partners to offer homeowners, renters, and condo insurance.

If you’re interested in GM Insurance, you can get a quote online through the General Motors Insurance website or by calling 1 (844) 674-7253. Currently, GM Insurance is available in only 14 states: Arizona, Texas, Oklahoma, Minnesota, Iowa, Missouri, Illinois, Indiana, Ohio, Pennsylvania, Tennessee, Alabama, Georgia, and Virginia.4

How to ensure you have enough coverage on your GMC

While nearly every U.S. state requires minimum liability coverage, you might choose to carry additional insurance options. Some of the most common types of coverage include:

GMC car insurance FAQs

Trying to find the right insurance for your GMC can feel challenging. Insurance costs can vary based on the type of model you drive, your location, driving history, and age. Here are some of the most frequently asked questions about GMC insurance.

  • USAA, Allstate, and GEICO offer some of the lowest insurance premiums on GMC models, according to Insurify data. But the cost of your premium can vary widely based on personal factors, including age, location, credit, and driving record.

  • No. The average annual cost of coverage for GMC vehicles is $1,596. GMC rates are comparable to similar makes like Chevrolet and Toyota.

  • The average cost of insurance for a GMC Yukon is $94 per month for liability-only coverage and $177 for full coverage, according to Insurify data.

  • The GMC protection plan offered by GM is similar to an extended warranty. The cost of the protection plan can vary widely based on variables such as the make and model of your vehicle, your deductible, and the type of coverage you choose.5

Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

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Average Cost of GMC Car Insurance (2025) | Insurify