GMC Sierra 1500 Insurance Cost
Full coverage for a GMC Sierra 1500 costs about $1,605 a year ($134/month) by our estimate — ▲ +1% versus the average vehicle, ranking 143rd cheapest of 310 current models.
GMC Sierra 1500 insurance cost at a glance
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 Sierra 1500.
| 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. | $650 | $54 | $530–$765 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $940 | $78 | $770–$1,110 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,605 | $134 | $1,315–$1,890 |
What drives the cost of insuring a GMC Sierra 1500
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 Sierra 1500's results put our vehicle factor at 1.06× for liability, 0.89× for collision and 1.19× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 87 | Better than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 121 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 106 | Worse than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 117 | Worse than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 78 | Much better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 111 | Worse than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (6)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| GMC Sierra 1500 crew cab | 87 | 121 | 106 | 117 |
| GMC Sierra 1500 crew cab 4WD | 93 | 124 | 108 | 92 |
| GMC Sierra 1500 ext. cab 4WD | 94 | 80 | 116 | 118 |
| GMC Sierra 1500 ext. cab | 93 | 96 | 133 | — |
| GMC Sierra 1500 | 67 | — | — | — |
| GMC Sierra 1500 4WD | 78 | — | — | — |
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 4 NHTSA recall campaigns and 591 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
GMC Sierra 1500 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.) |
|---|---|---|---|
| Sierra 2WD | RWD | 2.7L 4-cyl Turbo | 20 |
| Sierra 2WD | RWD | 3.0L 6-cyl Turbo Diesel | 25 |
| Sierra 2WD | RWD | 5.3L 8-cyl | 17 |
| Sierra 2WD with Sport Mode | RWD | 2.7L 4-cyl Turbo | 19 |
| Sierra 2WD with Sport Mode | RWD | 5.3L 8-cyl | 18 |
| Sierra 4WD | 4WD | 2.7L 4-cyl Turbo | 18 |
| Sierra 4WD | 4WD | 5.3L 8-cyl | 16 |
| Sierra 4WD | 4WD | 6.2L 8-cyl | 16 |
| Sierra 4WD AT4X | 4WD | 6.2L 8-cyl | 15 |
| Sierra 4WD AT4X with Sport Mode | 4WD | 3.0L 6-cyl Turbo Diesel | 19 |
| Sierra 4WD FFV | 4WD | 5.3L 8-cyl | 17 |
| Sierra 4WD with Sport Mode | 4WD | 2.7L 4-cyl Turbo | 17 |
GMC Sierra 1500 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, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–25 | $1,605 |
| 2025 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–26 | $1,570 |
| 2024 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–25 | $1,540 |
| 2023 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–26 | $1,510 |
| 2022 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 14–26 | $1,480 |
| 2021 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.3L 6-cyl | 4WD, RWD | 16–26 | $1,445 |
| 2020 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.3L 6-cyl | 4WD, RWD | 16–26 | $1,415 |
| 2019 | 2.7L 4-cyl Turbo, 4.3L 6-cyl, 5.3L 8-cyl | 4WD, RWD | 16–21 | $1,385 |
| 2018 | 4.3L 6-cyl, 5.3L 8-cyl, 5.3L 8-cyl Hybrid | 4WD, RWD | 17–20 | $1,355 |
| 2017 | 4.3L 6-cyl, 5.3L 8-cyl, 5.3L 8-cyl Hybrid | 4WD, RWD | 17–20 | $1,320 |
| 2016 | 4.3L 6-cyl, 5.3L 8-cyl, 5.3L 8-cyl Hybrid | 4WD, RWD | 17–20 | $1,290 |
| 2015 | 4.3L 6-cyl, 5.3L 8-cyl, 6.2L 8-cyl | 4WD, RWD | 17–20 | $1,290 |
| 2014 | 4.3L 6-cyl, 5.3L 8-cyl, 6.2L 8-cyl | 4WD, RWD | 17–20 | $1,290 |
| 2013 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, AWD, RWD | 14–21 | $1,290 |
| 2012 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, RWD | 14–21 | $1,290 |
| 2011 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, AWD, RWD | 14–21 | $1,290 |
| 2010 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, AWD, RWD | 14–22 | $1,290 |
| 2009 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD/AWD, RWD | 14–21 | $1,290 |
| 2008 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD/AWD, RWD | 14–17 | $1,290 |
| 2007 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD/AWD, RWD | 14–17 | $1,290 |
GMC Sierra 1500 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, or open the Sierra 1500 page for that state.
GMC Sierra 1500 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,785 | $2,585 | $4,410 | $368 |
| Young adult (22) | $1,040 | $1,505 | $2,565 | $214 |
| Adult in their 30s | $650 | $940 | $1,605 | $134 |
| Adult in their 50s | $595 | $865 | $1,475 | $123 |
| Senior (72) | $725 | $1,055 | $1,795 | $150 |
| 30s, one at-fault accident | $940 | $1,365 | $2,325 | $194 |
| 30s, DUI on record | $1,200 | $1,740 | $2,965 | $247 |
GMC Sierra 1500 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| GMC Sierra 1500 | $1,605 | 87 | 121 | — |
| Ford F-150 | $1,580 | 92 | 84 | Compare |
| Tesla Cybertruck | $1,600 | — | — | Compare |
| Toyota Tundra | $1,515 | 94 | 108 | Compare |
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Frequently asked questions
How much is insurance for a GMC Sierra 1500?
We estimate about $1,605 a year ($134 a month) for full coverage and $650 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% more than the average vehicle.
Is the GMC Sierra 1500 expensive to insure?
HLDI insurance-loss data rates it at 87 for collision and 121 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.
Which state is cheapest to insure a GMC Sierra 1500?
Maine has the lowest estimate (about $1,015 a year for full coverage) and Florida the highest (about $2,310).
What is the GMC Sierra 1500's NHTSA safety rating?
The 2026 GMC Sierra 1500 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the GMC Sierra 1500 cheaper to insure than the Ford F-150?
By our estimate the GMC Sierra 1500 costs about $1,605 a year versus $1,610 for the Ford F-150, making it the cheaper of the two to insure.
How much is GMC Sierra 1500 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,410 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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database