GMC Sierra 1500 Car Insurance Quotes (2025)
Insurance for the GMC Sierra 1500 averages $184 per month for full coverage and $98 for liability-only coverage. But your rate may vary depending on several factors.
Secure. Free. Easy-to-use.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
The GMC Sierra 1500 has excellent towing capacity and some of the best fuel economy among pickup trucks, according to Kelley Blue Book.[?] Despite a hefty starting price of just over $40,000, the Sierra 1500 is relatively inexpensive to insure compared to other vehicles.
On average, Sierra 1500 insurance costs $1,176 per year for basic liability, with full coverage costing $2,208. While that’s a bit high compared to similar truck models, others are more expensive to insure. For example, the Dodge Ram 1500 averages $1,296 per year for liability coverage and $2,424 for full coverage.
If you own a GMC Sierra 1500 or are considering buying one, here’s what you need to know as you compare insurance rates.
Quick Facts
The GMC Sierra 1500 isn’t the cheapest truck to insure, but it’s still relatively affordable compared to the national average insurance rate of $138 per month.
USAA, State Farm, and Allstate offer some of the cheapest insurance rates for Sierra 1500 owners.
Older Sierra models tend to be less expensive to insure.
Cost of GMC Sierra 1500 insurance by model year
The average monthly premium for GMC Sierra 1500 drivers is $141, but that rate can vary based on the age of your truck. As vehicles depreciate over time, the repair or replacement cost typically decreases, often resulting in lower premiums.[?]
While USAA, State Farm, and Allstate offer some of the cheapest insurance rates for the Sierra 1500, it’s important to shop around and compare several options. Here’s a look at average monthly rates based on model year.
Model Year  | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| 2025 | $237 | $126 |
| 2024 | $228 | $121 |
| 2023 | $228 | $121 |
| 2022 | $218 | $116 |
| 2021 | $207 | $110 |
| 2020 | $202 | $107 |
| 2019 | $198 | $105 |
| 2018 | $193 | $103 |
| 2017 | $189 | $100 |
| 2016 | $185 | $98 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare GMC Sierra 1500 Car Insurance Premiums
Score the best car insurance rates for your car
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
The 2025 GMC Sierra 1500 has a starting manufacturer’s suggested retail price (MSRP) of $40,495, according to Kelley Blue Book (KBB). But that price can go up significantly for double-cab and crew-cab models.
The table below shows how average rates can vary depending on the insurance company.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $119 $62 State Farm $142 $73 Allstate $159 $81 GEICO $175 $91 American Family $182 $93 Progressive $187 $134 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for the 2024 GMC Sierra 1500 was $39,695. The following table shows full-coverage and liability-only rates from several of the best insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $114 $59 State Farm $142 $73 Allstate $153 $77 GEICO $169 $87 American Family $176 $90 Progressive $180 $128 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 GMC Sierra 1500 had a starting MSRP of just $32,200. This is significantly less than prices for the 2024 and 2025 model years, although insurance rates are comparable.
Here’s a look at rates from some of the top car insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $114 $59 State Farm $137 $70 Allstate $153 $77 GEICO $169 $87 American Family $176 $90 Progressive $180 $128 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 GMC Sierra 1500 had a base-price MSRP of $28,555, according to KBB.
See the table below for how insurance rates compare among companies with the cheapest average quotes.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $109 $57 State Farm $131 $67 Allstate $146 $74 GEICO $161 $84 American Family $168 $86 Progressive $172 $123 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
At the time of release, the 2021 GMC Sierra 1500 had an MSRP starting at $24,166. Check out the table below for the insurers with the cheapest average quotes.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $104 $54 State Farm $124 $64 Allstate $139 $70 GEICO $153 $79 American Family $159 $81 Progressive $164 $117 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A brand-new 2020 GMC Sierra 1500 had a base MSRP starting at $22,599, according to KBB. The following table includes data from top insurers to help you compare insurance options.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $101 $52 State Farm $121 $62 Allstate $135 $68 GEICO $149 $77 American Family $156 $79 Progressive $160 $113 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 GMC Sierra 1500’s base model had a starting MSRP of $20,153.
The table below shows average monthly rates from several top insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $99 $51 State Farm $119 $61 Allstate $133 $67 GEICO $147 $76 American Family $152 $78 Progressive $156 $111 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When the 2018 GMC Sierra 1500 was released, its base MSRP was $18,582.
Rate data from several of the cheapest insurers appears in the table below to help you compare options.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $97 $50 State Farm $116 $60 Allstate $129 $66 GEICO $143 $74 American Family $149 $76 Progressive $152 $109 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 GMC Sierra 1500 had a starting MSRP of $13,558, according to KBB.
The table below shows average monthly quotes from several companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $95 $49 State Farm $113 $58 Allstate $127 $64 GEICO $140 $72 American Family $146 $74 Progressive $149 $106 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 GMC Sierra 1500 base model had a starting price of $13,800.
The following table breaks down average monthly quotes from several major insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $93 $48 State Farm $111 $57 Allstate $124 $63 GEICO $137 $71 American Family $142 $73 Progressive $146 $104 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of GMC insurance by state
Where you live can affect your car insurance costs significantly, thanks to differences in accident rates, theft, and other local risks.[?]
The map below shows how much drivers pay across all GMC models for coverage in each state. Alaska and Hawaii are not included due to lack of data.
Compare GMC Sierra 1500 Car Insurance Quotes
Insurify partners with 100+ top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
How to ensure you have enough coverage on your GMC Sierra 1500
Whether for a fender bender, a cracked windshield, or a stolen car, the right coverage can help protect you from major financial setbacks. As you assess your insurance needs and budget, consider the following types of coverage:[?]
GMC Sierra 1500 car insurance FAQs
Below, you’ll find answers to a handful of commonly asked questions about GMC Sierra 1500 car insurance.
USAA offers the lowest average insurance premium for the Sierra 1500, followed by State Farm and Allstate.
Compared to all other vehicles, the Sierra 1500 is slightly below average in terms of insurance costs. But some similar pickup trucks are less expensive to insure.
The GMC Sierra 1500 costs an average of $98 per month for liability-only insurance and $184 for full coverage. But your rate may vary based on your driving record, age, and other factors.
GMC trucks and SUVs cost an average of $133 per month to insure, which is lower than the national average monthly cost of $138, according to Insurify data.
)
)
)
)
)