Tesla Cybertruck vs GMC Sierra 1500 Insurance Cost

The Tesla Cybertruck is cheaper to insure by about $5 a year for full coverage by our estimate ($1,600 vs. $1,605), and cheaper in 27 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Tesla Cybertruck	GMC Sierra 1500	Difference
State minimum	$595	$650	−$55
Standard (100/300/100)	$865	$940	−$75
Full coverage	$1,600	$1,605	−$5

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Cybertruck minus Sierra 1500.

Why one costs more to insure

Factor	Tesla Cybertruck	GMC Sierra 1500
Segment	Pickup truck	Pickup truck
Powertrains	Electric	Gasoline, Hybrid, Diesel, Flex-fuel
HLDI collision (100 = avg)	—	87
HLDI comprehensive	—	121
HLDI property damage liability	—	106
HLDI bodily injury liability	—	117
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	4

Cybertruck vs Sierra 1500 insurance by state

State	Cybertruck	Sierra 1500	Difference
Alabama	$1,400	$1,390	+$10
Alaska	$1,400	$1,390	+$10
Arizona	$1,675	$1,695	−$20
Arkansas	$1,425	$1,415	+$10
California	$1,570	$1,530	+$40
Colorado	$1,835	$1,865	−$30
Connecticut	$1,690	$1,695	−$5
Delaware	$1,765	$1,795	−$30
District of Columbia	$2,015	$2,000	+$15
Florida	$2,250	$2,310	−$60
Georgia	$1,960	$1,995	−$35
Hawaii	$1,105	$1,080	+$25
Idaho	$1,090	$1,090	—
Illinois	$1,390	$1,385	+$5
Indiana	$1,145	$1,135	+$10
Iowa	$1,110	$1,110	—
Kansas	$1,300	$1,310	−$10
Kentucky	$1,345	$1,360	−$15
Louisiana	$2,210	$2,230	−$20
Maine	$1,025	$1,015	+$10
Maryland	$1,785	$1,795	−$10
Massachusetts	$1,570	$1,555	+$15
Michigan	$1,745	$1,730	+$15
Minnesota	$1,350	$1,360	−$10
Mississippi	$1,540	$1,545	−$5
Missouri	$1,465	$1,470	−$5
Montana	$1,300	$1,310	−$10
Nebraska	$1,300	$1,310	−$10
Nevada	$1,805	$1,840	−$35
New Hampshire	$1,140	$1,125	+$15
New Jersey	$1,905	$1,925	−$20
New Mexico	$1,440	$1,445	−$5
New York	$2,125	$2,155	−$30
North Carolina	$1,205	$1,180	+$25
North Dakota	$1,050	$1,045	+$5
Ohio	$1,150	$1,140	+$10
Oklahoma	$1,460	$1,460	—
Oregon	$1,425	$1,445	−$20
Pennsylvania	$1,405	$1,390	+$15
Rhode Island	$1,915	$1,925	−$10
South Carolina	$1,700	$1,735	−$35
South Dakota	$1,265	$1,280	−$15
Tennessee	$1,340	$1,325	+$15
Texas	$1,910	$1,920	−$10
Utah	$1,440	$1,455	−$15
Vermont	$1,050	$1,030	+$20
Virginia	$1,375	$1,375	—
Washington	$1,385	$1,395	−$10
West Virginia	$1,355	$1,350	+$5
Wisconsin	$1,105	$1,105	—
Wyoming	$1,285	$1,295	−$10

By driver profile (full coverage)

Driver	Cybertruck	Sierra 1500
Teen driver (18, own policy)	$4,400	$4,410
Young adult (22)	$2,560	$2,565
Adult in their 30s	$1,600	$1,605
Adult in their 50s	$1,470	$1,475
Senior (72)	$1,790	$1,795
30s, one at-fault accident	$2,320	$2,325
30s, DUI on record	$2,960	$2,965

More comparisons

Frequently asked questions

Is the Tesla Cybertruck or the GMC Sierra 1500 cheaper to insure?

By our estimate the Tesla Cybertruck is cheaper, by about $5 a year for full coverage ($1,600 vs. $1,605) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Cybertruck and GMC Sierra 1500?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 87 and comprehensive indices of n/a vs. 121 (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.

Sources used on this page