GMC Canyon Insurance Cost

Full coverage for a GMC Canyon costs about $1,320 a year ($110/month) by our estimate — ▼ −17% versus the average vehicle, ranking 31st cheapest of 310 current models.

GMC Canyon exterior (photo from Wikimedia Commons) — Photo: Bull-Doser, Public domain

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

GMC Canyon insurance cost at a glance

Full coverage

$1,320

$110/mo · $1,085–$1,560

Minimum liability

$575

$48/mo

Segment

Pickup truck

Gasoline, Diesel

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the GMC Canyon.

Estimated GMC Canyon premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$575	$48	$470–$680
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$835	$70	$685–$985
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,320	$110	$1,085–$1,560

What drives the cost of insuring a GMC Canyon

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The GMC Canyon's results put our vehicle factor at 0.94× for liability, 0.73× for collision and 0.71× for comprehensive.

HLDI relative insurance losses — GMC Canyon crew cab 4WD (Small Pickups)
Coverage	Index	Rating	What it measures
Collision	69	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	65	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	86	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	93	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	49	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	41	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
GMC Canyon crew cab 4WD	69	65	86	93
GMC Canyon crew cab	91	51	113	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 221 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

GMC Canyon trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Canyon 2WD	RWD	2.7L 4-cyl Turbo	20
Canyon 4WD	4WD	2.7L 4-cyl Turbo	19
Canyon AT4X 4WD	4WD	2.7L 4-cyl Turbo	17
Canyon AT4X AEV 4WD	4WD	2.7L 4-cyl Turbo	16
Canyon Mud Terrain Tires 4WD	4WD	2.7L 4-cyl Turbo	18

GMC Canyon insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.7L 4-cyl Turbo	4WD, RWD	16–20	$1,320
2025	2.7L 4-cyl Turbo	4WD, RWD	16–20	$1,295
2024	2.7L 4-cyl Turbo	4WD, RWD	16–20	$1,275
2023	2.7L 4-cyl Turbo	4WD, RWD	16–20	$1,250
2022	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	19–23	$1,230
2021	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	18–23	$1,205
2020	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	19–23	$1,185
2019	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	19–23	$1,160
2018	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	19–25	$1,135
2017	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	19–25	$1,115
2016	2.5L 4-cyl, 2.8L 4-cyl Turbo Diesel, 3.6L 6-cyl	4WD, RWD	20–25	$1,090
2015	2.5L 4-cyl, 3.6L 6-cyl	4WD, RWD	20–22	$1,090
2012	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD, RWD	16–21	$1,090
2011	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD, RWD	16–21	$1,090
2010	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD, RWD	16–21	$1,090
2009	2.9L 4-cyl, 3.7L 5-cyl, 5.3L 8-cyl	4WD/AWD, RWD	16–20	$1,090
2008	2.9L 4-cyl, 3.7L 5-cyl	4WD/AWD, RWD	17–20	$1,090
2007	2.9L 4-cyl, 3.7L 5-cyl	4WD/AWD, RWD	17–20	$1,090
2006	2.8L 4-cyl, 3.5L 5-cyl	4WD/AWD, RWD	17–21	$1,090
2005	2.8L 4-cyl, 3.5L 5-cyl	4WD/AWD, RWD	17–21	$1,090

GMC Canyon insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,130	$450	−14%
Alaska	$1,150	$585	−13%
Arizona	$1,390	$620	+5%
Arkansas	$1,135	$420	−14%
California	$1,275	$535	−3%
Colorado	$1,485	$610	+13%
Connecticut	$1,420	$665	+8%
Delaware	$1,510	$750	+14%
District of Columbia	$1,650	$695	+25%
Florida	$1,950	$1,010	+48%
Georgia	$1,670	$815	+27%
Hawaii	$895	$405	−32%
Idaho	$890	$375	−33%
Illinois	$1,135	$465	−14%
Indiana	$930	$380	−30%
Iowa	$870	$290	−34%
Kansas	$1,030	$375	−22%
Kentucky	$1,115	$495	−16%
Louisiana	$1,835	$740	+39%
Maine	$830	$400	−37%
Maryland	$1,490	$705	+13%
Massachusetts	$1,295	$555	−2%
Michigan	$1,425	$715	+8%
Minnesota	$1,085	$440	−18%
Mississippi	$1,245	$495	−6%
Missouri	$1,185	$480	−10%
Montana	$1,025	$370	−22%
Nebraska	$1,030	$380	−22%
Nevada	$1,565	$810	+19%
New Hampshire	$930	$375	−30%
New Jersey	$1,630	$875	+23%
New Mexico	$1,175	$485	−11%
New York	$1,805	$870	+37%
North Carolina	$955	$420	−28%
North Dakota	$810	$260	−39%
Ohio	$930	$380	−30%
Oklahoma	$1,165	$440	−12%
Oregon	$1,210	$585	−8%
Pennsylvania	$1,130	$400	−14%
Rhode Island	$1,620	$770	+23%
South Carolina	$1,435	$685	+9%
South Dakota	$965	$295	−27%
Tennessee	$1,080	$425	−18%
Texas	$1,545	$650	+17%
Utah	$1,220	$610	−8%
Vermont	$830	$300	−37%
Virginia	$1,135	$585	−14%
Washington	$1,165	$555	−12%
West Virginia	$1,080	$410	−18%
Wisconsin	$890	$350	−33%
Wyoming	$985	$305	−25%

GMC Canyon insurance by driver profile

Estimated annual GMC Canyon premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,580	$2,295	$3,630	$303
Young adult (22)	$920	$1,335	$2,115	$176
Adult in their 30s	$575	$835	$1,320	$110
Adult in their 50s	$530	$765	$1,215	$101
Senior (72)	$645	$935	$1,480	$123
30s, one at-fault accident	$835	$1,210	$1,915	$160
30s, DUI on record	$1,065	$1,545	$2,445	$204

GMC Canyon vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
GMC Canyon	$1,320	69	65	—
Toyota Tacoma	$1,375	87	86	—
Ford F-150	$1,580	92	84	—
Tesla Cybertruck	$1,600	—	—	—

Estimate GMC Canyon insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

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Other GMC models

Acadia $1,035/yr
Terrain $1,480/yr
Yukon $1,315/yr
Yukon XL $1,560/yr
Sierra 1500 $1,605/yr
Sierra EV $1,600/yr
Hummer EV $1,495/yr
Savana $1,250/yr
Envoy $1,190/yr
Safari $1,220/yr
Sierra 2500HD $1,320/yr

All GMC insurance costs →

Frequently asked questions

How much is insurance for a GMC Canyon?

We estimate about $1,320 a year ($110 a month) for full coverage and $575 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 17% less than the average vehicle.

Is the GMC Canyon expensive to insure?

HLDI insurance-loss data rates it at 69 for collision and 65 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a GMC Canyon?

North Dakota has the lowest estimate (about $810 a year for full coverage) and Florida the highest (about $1,950).

What is the GMC Canyon's NHTSA safety rating?

The 2026 GMC Canyon earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the GMC Canyon cheaper to insure than the Toyota Tacoma?

By our estimate the GMC Canyon costs about $1,320 a year versus $1,400 for the Toyota Tacoma, making it the cheaper of the two to insure.

How much is GMC Canyon insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,630 a year at national-average rates by our estimate.

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