GMC Sierra 1500 vs Ram 1500 Insurance Cost
The GMC Sierra 1500 is cheaper to insure by about $180 a year for full coverage by our estimate ($1,605 vs. $1,785), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | GMC Sierra 1500 | Ram 1500 | Difference |
|---|---|---|---|
| State minimum | $650 | $740 | −$90 |
| Standard (100/300/100) | $940 | $1,070 | −$130 |
| Full coverage | $1,605 | $1,785 | −$180 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sierra 1500 minus 1500.
Why one costs more to insure
| Factor | GMC Sierra 1500 | Ram 1500 |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Hybrid, Diesel, Flex-fuel | Gasoline, Hybrid, Diesel, Flex-fuel |
| HLDI collision (100 = avg) | 87 | 99 |
| HLDI comprehensive | 121 | 108 |
| HLDI property damage liability | 106 | 132 |
| HLDI bodily injury liability | 117 | 136 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 4 | 10 |
Collision losses are the biggest swing factor: the Ram 1500 has 12 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ram 1500.
Sierra 1500 vs 1500 insurance by state
By driver profile (full coverage)
| Driver | Sierra 1500 | 1500 |
|---|---|---|
| Teen driver (18, own policy) | $4,410 | $4,910 |
| Young adult (22) | $2,565 | $2,860 |
| Adult in their 30s | $1,605 | $1,785 |
| Adult in their 50s | $1,475 | $1,645 |
| Senior (72) | $1,795 | $2,000 |
| 30s, one at-fault accident | $2,325 | $2,590 |
| 30s, DUI on record | $2,965 | $3,305 |
More comparisons
Frequently asked questions
Is the GMC Sierra 1500 or the Ram 1500 cheaper to insure?
By our estimate the GMC Sierra 1500 is cheaper, by about $180 a year for full coverage ($1,605 vs. $1,785) for a driver in their 30s with a clean record.
Why does insurance cost differ between the GMC Sierra 1500 and Ram 1500?
Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 99 and comprehensive indices of 121 vs. 108 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.