GMC Insurance Cost
Across 7 current GMC models, full coverage averages about $1,416 a year by our estimate — −11% versus the average vehicle ($1,590).
GMC insurance profile
GMC’s lineup is made up mostly of 3 pickup trucks, 2 large suvs, and 1 small suv. HLDI collision losses for its models average 77 (100 = all-vehicle average).
Every GMC model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Acadia | Midsize SUV | 2007–2027 | 64 | $1,035 | −35% |
| Yukon | Large SUV | 2005–2027 | 66 | $1,315 | −17% |
| Canyon | Pickup truck | 2005–2026 | 69 | $1,320 | −17% |
| Terrain | Small SUV | 2010–2027 | 85 | $1,480 | −7% |
| Yukon XL | Large SUV | 2005–2027 | 93 | $1,560 | −2% |
| Sierra EV | Pickup truck | 2025–2026 | — | $1,600 | +1% |
| Sierra 1500 | Pickup truck | 2005–2026 | 87 | $1,605 | +1% |
Older and discontinued GMC models
- Hummer EV 2024–2025
- Savana 2005–2017
- Envoy 2005–2009
- Safari 2005–2005
- Sierra 2500HD 2005–2005
What makes GMC insurance cost more or less
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 6 models range from 64 to 93, so the model you pick matters as much as the brand.
- Segment mix: 3 pickup truck, 2 large suv, 1 small suv, 1 midsize suv.
Average GMC insurance cost by state
Average full-coverage estimate across current GMC models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $909 | −36% |
| Vermont | $926 | −35% |
| North Dakota | $929 | −34% |
| Idaho | $971 | −31% |
| Hawaii | $976 | −31% |
| Wisconsin | $984 | −31% |
| Iowa | $986 | −30% |
| New Hampshire | $1,012 | −29% |
| Indiana | $1,016 | −28% |
| Ohio | $1,021 | −28% |
| North Carolina | $1,064 | −25% |
| South Dakota | $1,123 | −21% |
| Wyoming | $1,143 | −19% |
| Kansas | $1,158 | −18% |
| Montana | $1,159 | −18% |
| Nebraska | $1,159 | −18% |
| Tennessee | $1,188 | −16% |
| West Virginia | $1,204 | −15% |
| Kentucky | $1,206 | −15% |
| Minnesota | $1,206 | −15% |
| Virginia | $1,228 | −13% |
| Illinois | $1,239 | −13% |
| Washington | $1,241 | −12% |
| Alabama | $1,244 | −12% |
| Alaska | $1,246 | −12% |
| Pennsylvania | $1,247 | −12% |
| Arkansas | $1,265 | −11% |
| Oregon | $1,281 | −10% |
| New Mexico | $1,286 | −9% |
| Utah | $1,294 | −9% |
| Oklahoma | $1,299 | −8% |
| Missouri | $1,308 | −8% |
| Mississippi | $1,374 | −3% |
| California | $1,384 | −2% |
| Massachusetts | $1,396 | −1% |
| Arizona | $1,503 | +6% |
| Connecticut | $1,513 | +7% |
| South Carolina | $1,532 | +8% |
| Michigan | $1,551 | +10% |
| Delaware | $1,591 | +12% |
| Maryland | $1,599 | +13% |
| Nevada | $1,632 | +15% |
| Colorado | $1,644 | +16% |
| Texas | $1,705 | +20% |
| New Jersey | $1,713 | +21% |
| Rhode Island | $1,716 | +21% |
| Georgia | $1,767 | +25% |
| District of Columbia | $1,794 | +27% |
| New York | $1,913 | +35% |
| Louisiana | $1,981 | +40% |
| Florida | $2,039 | +44% |
Frequently asked questions
How much does it cost to insure a GMC?
Across 7 current GMC models, our full-coverage estimate averages $1,416 a year for a driver in their 30s with a clean record, 11% less than the average vehicle ($1,590).
What is the cheapest GMC to insure?
The GMC Acadia has the lowest estimate at about $1,035 a year for full coverage; the GMC Sierra 1500 is the most expensive at about $1,605.
Are GMC repairs expensive for insurers?
HLDI collision-loss data for 6 GMC models averages 77 (100 = average of all vehicles), which is much better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a GMC?
By our estimates, Maine is the cheapest state (about $909 a year on average across current models) and Florida the most expensive (about $2,039).
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.