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GMC Insurance - Introduction

Drivers who own a GMC know that it is a workhorse, so it makes sense that car insurance for these cars should also be reliable. Having the best car insurance for your needs protects you financially if you are in an accident and gives you a way to pay for the other person's accident costs if you are at fault. Before you think about how much it will cost to insure your GMC, you might want to figure out how much car insurance you need.

Key Takeaways

  • The average cost of car insurance for a GMC model is about $1,769 per year. This is around $500 better than other popular brands.
  • GMC Acadia, GMC Sierra, GMC Terrain and GMC Yukon are the cars suitable for commutes.

The History of GMC

GMC has been a trusted brand of bigger cars for more than 100 years, ever since it was founded in 1911. Formally, the company is a division of General Motors of North America Brand. Its main products are SUVs, pickup trucks, vans, and light-duty trucks. Even though this is their main business, the brand has also made parts for firetrucks, motorhomes, military vehicles, public transportation buses, and more.

GMC has a long and prestigious history among the big car companies in North America, and it still does a great job of serving a very specific market. The Rapid Motor Vehicle Company in Pontiac, Michigan, was where GMC Motors got its start. Some of the first one-ton trucks in the country were made by the company, which was owned by two brothers.

The business did pretty well, and in 1909, their truck was the first to win a road race up "Pike's Peak." In the same year, their main owner, William Durant, who had just started the General Motors Holding Company a year before, sold them to General Motors. In 1911, the Rapid Motor Vehicle Company changed its name to the General Motors Truck Company, which became known as GMC soon after.

From the 1960s to the 1980s, GMC made a lot of new models. They were involved in almost everything, from motorhomes to minivans to smaller, more useful buses to a more modern and useful SUV. Even though many of them have been taken off the market since then, some from the 1990s can still be seen on the company's production lines. GMC still makes vehicles like the Savana commercial van, the Yukon and Yukon XL, the Terrain, the Acadia, and more.

GMC current market stats

General Motors sold just under 6.3 million cars and trucks in 2021. This is compared to about 6.83 million units in 2020, which is a drop of about 8% from the previous year.

Chevrolet, GMC, Buick, and Cadillac are all brands owned by GM. Based on sales in the U.S. in the fourth quarter of 2021, Chevrolet and GMC were two of the top eleven automakers. Figures showed that the industry as a whole slowed down a lot that year, with sales going up by less than 2% compared to 2020.

Part of these changes can be traced back to the economic effects of the COVID-19 pandemic, which led to a drop in demand and stopped production. In the fourth quarter of 2020, sales started to go up again, but the global chip shortage hurt the sector even more in 2021, causing less vehicles to be made and less to be in stock.

Tesla is known for being at the forefront of innovation in the field of electric vehicles (EVs). General Motors and other established car companies are planning to join the fiercely competitive U.S. electric vehicle market.

In 2021, Tesla sold just under 302,000 battery-electric vehicles in the U.S., which was about 14.6% of the market, while GM only had 8.6%. General Motors, on the other hand, plans to put around $20 billion (US) into its lineup of electric vehicles (EVs), which will include SUVs and pickup trucks, by 2025.

How much does GMC car insurance cost?

GMC, which is known for making trucks and SUVs, has insurance costs that are about average. The average cost of car insurance for a GMC is $1,769 per year.

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Factors affecting the GMC car insurance premium

Car insurance companies use a number of things, including the car itself, to figure out how much to charge for coverage. Here are some factors that can affect the GMC car insurance premium:

  • Crash rate stats per make/model: Stats on crash rates by make and model: Both the government and private companies do crash testing and keep track of crash rates. What they find could change your rate. For example, the Insurance Institute for Highway Safety (IIHS) says that the headlights on the GMC Sierra are "poor." An insurance company will look at this information to see if it causes more accidents, which could mean that premium rates go up.
  • Price of parts: Most GMC cars are made in the U.S., with parts made in the U.S. This means that parts might be cheaper and easier to get than for a car with, say, parts made in Germany. Your insurance company will take that into account, and if the repairs aren't too expensive, they may lower your rates to make up for it.
  • Safety features / Features: Most insurance companies like safe cars because they lead to fewer accidents and fewer claims. When figuring out premiums, insurers like to look at things like the automatic emergency braking and rear park assist on the GMC Acadia.
  • Rear park assist: Some GMC models have a feature that lets you know when you are getting close to another car or object when you are backing up. This can make it less likely that your car will get dinged up when you go back into a parking space, which can lower your insurance risk.
  • Intellibeam auto high beams: This GMC-made feature will automatically turn on your high beams when traffic allows, giving you better night vision and making the road safer for you and oncoming traffic.
  • Front pedestrian braking: Most GMC models have multiple cameras that can find pedestrians who might suddenly step onto the road between parked cars. Many GMC cars can even automatically stop in an emergency, which makes accidents between cars and people less likely and saves money. This could make GMC cars less expensive to insure than other cars that don't have this feature.
  • Lane keep assist: GMC cars can let you know if you drift out of your lane by accident. As many as 15 cameras on the cars watch the road. They let you know how far away you are from the car in front of you. They show the distance in seconds. Both help you stay safe on the road, which could lower your insurance rates and the number of claims you have to make.

GMC car insurance: By model

Vehicle model Average annual premium
Acadia $1,736
Acadia Limited $1,052
Canyon $1,424
Savana $1,520
Sierra 1500 $1,592
Sierra 1500 Hybrid $908
Sierra 2500HD $776
Sierra 3500HD $752
Sierra 3500HD CC $764
GMC Terrain $1,556
Yukon $1,940
Yukon XL $2,084

GMC car insurance: By coverage

GMC Acadia

Acadia car insurance type Average annual premium
Minimum coverage $490
Full coverage $1,472

GMC Sierra

Sierra car insurance type Average annual premium
Minimum coverage $491
Full coverage $1,522

GMC Terrain

Terrain car insurance type Average annual premium
Minimum coverage $480
Full coverage $1,466

GMC Yukon

Yukon car insurance type Average annual premium
Minimum coverage $496
Full coverage $1,692

Is GMC car insurance expensive?

Compared to other brands, the average cost of car insurance for a GMC is 6.4% more expensive per year than Chevrolet, 6.4% more expensive than Ford, more expensive than Honda by 12.5%, 1.7% more expensive than Nissan, 1.7% less expensive than Ram and 6.2% more expensive each year than a Toyota.

GMC car insurance cost vs. Popular automotive brands

Automotive brand Insurance cost Difference
GMC $1,769 --
Acura $1,891 $122
Audi $2,206 $437
BMW $2,232 $463
Cadillac $1,784 $15
Chevrolet $1,671 -$98
Dodge $2,140 $371
Ford $1,670 -$99
Honda $1,587 -$182
Hyundai $1,660 -$109
Infiniti $2,056 $287
Jaguar $2,092 $323
Jeep $1,804 $35
Kia $1,644 -$125
Land Rover $2,004 $235
Lexus $1,945 $176
Lincoln $1,839 $70
Mazda $1,532 -$237
Mercedes-Benz $2,245 $476
Mitsubishi $1,745 -$24
Nissan $1,741 -$28
Subaru $1,585 -$184
Tesla $2,095 $326
Toyota $1,673 -$96
Volkswagen $1,613 -$156
Volvo $1,787 $18

Cheapest GMC vehicles to insure in 2022

All of the cheapest GMC models' average annual insurance rates are listed below.

  • GMC Savana – Average annual insurance rate around $1,392
  • GMC Terrain – Average annual insurance rate around $1,396
  • GMC Canyon – Average annual insurance rate around $1,452
  • GMC Acadia – Average annual insurance rate around $1,526
  • GMC Sierra – Average annual insurance rate around $1,526

Cheapest GMC car insurance companies

As the table below shows, getting multiple quotes from different insurance companies is the best way to find the cheapest GMC car insurance companies. In general, Amica's rates for different GMC models are about the same as USAA's.

State Farm, on the other hand, is at the high end of the scale. But average rates don't mean you should avoid State Farm or any other insurance company. Don't forget that your own rates will depend on a number of things, some of which are unique to you. Also, some carriers might have rules about who is eligible or might not be available in all states.

Average annual premium for full coverage by model and car insurance company

Car insurance company GMC Acadia GMC Sierra GMC Terrain GMC Yukon
USAA $1,190 $1,201 $1,165 $1,359
Amica $1,214 $1,154 $1,176 $1,219
Erie $1,065 $994 $1,132 $1,113
State Farm $1,234 $1,241 $1,188 $1,364

GMC car insurance: By state

State Average annual premium
Alabama $1,890
Alaska $1,566
Arizona $1,773
Arkansas $1,942
California $2,157
Colorado $2,015
Connecticut $2,577
Delaware $2,134
Florida $2,534
Georgia $2,068
Hawaii $833
Idaho $1,440
Illinois $1,502
Indiana $1,545
Iowa $1,228
Kansas $1,631
Kentucky $2,349
Louisiana $3,017
Maine $1,147
Maryland $1,851
Massachusetts $1,481
Michigan $3,572
Minnesota $1,477
Mississippi $1,780
Missouri $1,673
Montana $1,703
Nebraska $1,444
Nevada $2,375
New Hampshire $1,650
New Jersey $1,819
New Mexico $1,862
New York $1,724
North Carolina $1,066
North Dakota $1,460
Ohio $1,307
Oklahoma $2,081
Oregon $1,889
Pennsylvania $1,594
Rhode Island $2,662
South Carolina $1,809
South Dakota $1,619
Tennessee $1,906
Texas $1,923
Utah $1,636
Vermont $1,256
Virginia $1,185
Washington $1,572
West Virginia $1,581
Wisconsin $1,571
Wyoming $1,469

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Cost of insuring a GMC

Based on minimum coverage and full coverage

>Minimum coverage

Coverage type Protection offered
Bodily injury liability (per person and per accident) Covers the costs of the harm you've caused to other people.
Property damage liability (per accident) Covers damage to other people's property or vehicles that you cause.
Uninsured motorist protection (per person and per accident) When you're not at fault for a car accident but the driver who caused it doesn't have insurance to pay for your injuries or property damage.
Underinsured motorist protection (per person and per accident) You can file a claim if the at-fault driver has liability insurance but it's not enough to pay for your damages or your injuries.
Personal injury protection (per person and per accident) Covers your own medical expenses after a car accident

>Full coverage

Coverage type Protection offered
Collision Applies if you hit someone else's car or something else.
Comprehensive Applies if your car is damaged by something other than a crash or rollover, like bad weather or vandalism, you can use this coverage.

Based on GMC by year

Year Average annual premium
2022 $3,417
2021 $2,919
2020 $2,921
2019 $2,691
2018 $2,926
2017 $2,799
2016 $2,689
2015 $2,650
2014 $2,941
2013 $2,410
2012 $2,723
2011 $2,685
2010 $2,921
2009 $2,280
2008 $2,474
2007 $2,581
2006 $2,263
2005 $2,172
2004 $2,264
2003 $2,083
2002 $1,943

Based on GMC in your city

City Average annual premium
Atlanta $2,845
Houston $2,460
Jacksonville $3,447
Lorain $2,010
Lubbock $2,258
Malvern $2,061
Philadelphia $2,817
San-Antonio $2,229
Tucson $2,203

How to get GMC car insurance with Way.com

When it comes to GMC insurance, keep in mind that your rates will be determined by the model you drive as well as other criteria specific to you.

Way.com can help you find the best rates for the coverage you need. Way.com will find you quotes from over 100 leading insurance companies in 45 seconds or less, ensuring you always get the best price for the coverage you need.

Way.com can assist you in obtaining the best auto insurance rates regardless of your location, demographics, or GMC model. Way.com is the most convenient way to find a better insurance policy tailored to your registered broker and auto super app requirements.

Other Brands Insurance

  • Toyota Insurance
  • Land rover Insurance
  • Ford Insurance
  • Mclaren Insurance

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

Is insurance high on a GMC Acadia?

On average, full coverage insurance for a GMC Acadia costs $1,736 per year. At about $1,456 per year, the Acadia SLE 2WD trim level is the least expensive to insure.

Are GMC cars expensive to insure?

Yes. The average cost of car insurance for a GMC is $1,769 per year.

Is GMC Yukon expensive to insure?

Yes, they are. The average cost of car insurance for a GMC Yukon, is about $1,940 a year.

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