Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
As per the rate analysis for various models analyzed by Insurance.com, the cheapest model to insure is the GMC Savana at $1,422 per year,the most and the most expensive model to insure is the GMC Yukon at $1,782 per year for drivers aged 40.
Are GMC car models expensive to insure? The average cost to insure a GMC for all the models combined for drivers age 40 is $2,151 per year.
Insurance companies use different methods to calculate your car insurance rates, therefore you can see a huge difference in rates from company to company. It is suggested that you should comparison shop and get quotes from multiple insurance providers before deciding on a policy that meets your needs to avoid paying higher auto insurance premiums.
In this guide, you will know the average annual car insurance rates for various GMC models and what are the cheapest trims to insure.
Here are some of the popular GMC models analyzed by Insurance.com:
- GMC Acadia
- GMC Canyon
- GMC Savana
- GMC Sierra
- GMC Terrain
- GMC Yukon
In this guide, you’ll also find which GMC models have received special recognition for safety and crash test ratings from federal agencies like NHTSA (National Highway Traffic Safety Administration) and independent organizations like IIHS.
Average GMC car insurance rates by model
There are several factors that affect how much you pay for car insurance. Your car insurance rate is determined by your driving record, credit score, the make and model you drive, and your age among other factors.
According to insurance companies, if a car has more features to ensure the safety of drivers and passengers, the chances of getting into an accident are lower, resulting in cheaper insurance premiums.
What is the cheapest GMC model to insure?
Amongst the various models available, the GMC Savana is the cheapest to insure at $1,762 per year for drivers age 40.
Whereas the most expensive GMC car to insure is GMC Hummer at $4,285 per year for drivers age 40. To know more about the car insurance rates of GMC cars, refer to the table below.
| Year and model | Average annual premium |
|---|---|
| 2023 GMC Savana | $1,762 |
| 2023 GMC Terrain | $1,937 |
| 2023 GMC Acadia | $1,991 |
| 2023 GMC Sierra | $2,180 |
| 2023 GMC Yukon | $2,213 |
| 2023 GMC Hummer | $4,285 |
Choose Your Vehicle Model
GMC Acadia car insurance
- Average annual insurance cost: $1,991
- Starting MSRP: $41,640
- Trim Levels: SLE, SLT, AT4, Denali
The GMC Acadia is a six-seater mid-size SUV that offers good gas mileage and comes equipped with the latest user-friendly infotainment system.
The average rate of insurance for Acadia drivers is $1,991 per year. It comes in four different trims. Of all the trims available, the cheapest trim to insure is SLE Acadia.
Looking at the safety features and crash test ratings, Acadia has been given an overall five-star rating for crash tests performed by the NHTSA. Apart from that, Acadia has also received a five-star rating for frontal and side crash tests performed as well.
The GMC Acadia car insurance rates for other available models, and the rates by company and rates by state are listed in the table below.
| Year and model | Average annual premium |
|---|---|
| 2023 GMC Acadia | $1,991 |
| 2022 GMC Acadia | $1,635 |
| 2021 GMC Acadia | $1,610 |
| 2020 GMC Acadia | $1,642 |
| 2019 GMC Acadia | $1,669 |
| 2018 GMC Acadia | $1,619 |
| 2017 GMC Acadia | $1,598 |
| 2016 GMC Acadia | $1,522 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,359 | $113 |
| Nationwide | $1,711 | $143 |
| Geico | $1,718 | $143 |
| Progressive | $1,932 | $161 |
| Farmers | $2,339 | $195 |
| Allstate | $2,889 | $241 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,001 | 13% less |
| Alaska | $1,629 | 29% less |
| Arizona | $2,056 | 11% less |
| Arkansas | $2,138 | 7% less |
| California | $2,497 | 8% more |
| Colorado | $2,542 | 10% more |
| Connecticut | $1,866 | 19% less |
| Delaware | $2,184 | 5% less |
| Florida | $2,778 | 21% more |
| Georgia | $2,383 | 3% more |
| Hawaii | $1,348 | 42% less |
| Idaho | $1,468 | 36% less |
| Illinois | $1,838 | 20% less |
| Indiana | $1,669 | 28% less |
| Iowa | $1,686 | 27% less |
| Kansas | $1,956 | 15% less |
| Kentucky | $2,544 | 10% more |
| Louisiana | $2,997 | 30% more |
| Maine | $1,522 | 34% less |
| Maryland | $1,977 | 14% less |
| Massachusetts | $1,953 | 15% less |
| Michigan | $2,544 | 10% more |
| Minnesota | $1,966 | 15% less |
| Mississippi | $1,886 | 18% less |
| Missouri | $2,339 | 1% more |
| Montana | $2,043 | 11% less |
| Nebraska | $2,170 | 6% less |
| Nevada | $1,888 | 18% less |
| New Hampshire | $1,433 | 38% less |
| New Jersey | $2,070 | 10% less |
| New Mexico | $2,067 | 10% less |
| New York | $1,590 | 31% less |
| North Carolina | $1,874 | 19% less |
| North Dakota | $1,638 | 29% less |
| Ohio | $1,597 | 31% less |
| Oklahoma | $1,904 | 17% less |
| Oregon | $1,862 | 19% less |
| Pennsylvania | $2,031 | 12% less |
| Rhode Island | $2,370 | 3% more |
| South Carolina | $1,965 | 15% less |
| South Dakota | $2,323 | 1% more |
| Tennessee | $2,185 | 5% less |
| Texas | $2,373 | 3% more |
| Utah | $1,794 | 22% less |
| Vermont | $1,447 | 37% less |
| Virginia | $1,456 | 37% less |
| Washington | $1,632 | 29% less |
| Washington, D.C. | $2,221 | 4% less |
| West Virginia | $1,709 | 26% less |
| Wisconsin | $1,558 | 32% less |
| Wyoming | $2,249 | 2% less |
Compare GMC Acadia car insurance rates by state
GMC Canyon car insurance
- Average annual insurance cost: $1,620
- MSRP Range - $28,700 - $45,000
- Trim Levels – Elevation, Elevation standard, Denali, AT4
The GMC Canyon falls in the category of compact pick-up trucks. It comes with a higher towing capacity as it comes with a diesel four-cylinder engine and good steering and handling.
How much does GMC Canyon insurance cost?
As per the rate analysis conducted by Insurance.com, the car insurance rate for GMC Canyon is $1,620 per year or $135 per month.
Newer models of Canyon are more expensive to insure than the older ones. For instance, the insurance rate for a 2022 model of Canyon is $1,620 per year whereas the cost of insuring a 2016 model of Canyon is $1,488 per year. The cost of insuring the 2022 Canyon model is $132 more than the cost of insuring the 2016 Canyon model.
Out of all the available trim levels, the cheapest trim to insure is Canyon Elevation Standard trim. And the most expensive trim to insure is the Canyon Denali. It has been given a four-star rating for the overall crash tests. For the side crash, it has been rated five-star whereas for the frontal crash it has been rated four-star, all these ratings are given by the NHTSA.
Below are the average annual car insurance rates for various GMC models.
| Year and model | Average annual premium |
|---|---|
| 2022 GMC Canyon | $1,620 |
| 2021 GMC Canyon | $1,552 |
| 2020 GMC Canyon | $1,544 |
| 2019 GMC Canyon | $1,623 |
| 2018 GMC Canyon | $1,557 |
| 2017 GMC Canyon | $1,544 |
| 2016 GMC Canyon | $1,488 |
Compare GMC Canyon car insurance rates by state
GMC Savana car insurance
- Average annual insurance cost: $1,762
- MSRP Range - $37,200 - $40,900
- Trim Levels – LS 2500, LS 3500, LT 2500, LT 3500
GMC Savana is a cargo vehicle that can accommodate a maximum of 15 people at once. They are equipped with cutting-edge technologies to uplift and enhance the complete driving experience of drivers on an open road.
GMC Savana owners pay $1,762 per year or $147 per month on average for car insurance.
A car is considered a depreciating asset over time, the older your car gets, the lower the insurance premium you will need to pay.
For instance, it costs $1,538 to insure a 2016 Savana model while the rate for the 2023 Savana model is $1,762 per year. The cost of insuring the 2016 model is 14% cheaper than the cost of insuring the 2023 model.
The table below provides the insurance rates for GMC Savana for other model years and the car insurance rates by company and state.
| Year and model | Average annual premium |
|---|---|
| 2023 GMC Savana | $1,762 |
| 2022 GMC Savana | $1,559 |
| 2021 GMC Savana | $1,423 |
| 2020 GMC Savana | $1,546 |
| 2019 GMC Savana | $1,532 |
| 2018 GMC Savana | $1,515 |
| 2017 GMC Savana | $1,493 |
| 2016 GMC Savana | $1,538 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,327 | $111 |
| Nationwide | $1,559 | $130 |
| Progressive | $1,606 | $134 |
| Geico | $1,627 | $136 |
| Farmers | $1,992 | $166 |
| Allstate | $2,370 | $197 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $1,683 | 27% less |
| Alaska | $1,453 | 37% less |
| Arizona | $1,849 | 20% less |
| Arkansas | $1,831 | 21% less |
| California | $2,265 | 2% less |
| Colorado | $2,132 | 8% less |
| Connecticut | $1,662 | 28% less |
| Delaware | $1,965 | 15% less |
| Florida | $2,477 | 7% more |
| Georgia | $2,177 | 6% less |
| Hawaii | $1,261 | 45% less |
| Idaho | $1,301 | 44% less |
| Illinois | $1,599 | 31% less |
| Indiana | $1,479 | 36% less |
| Iowa | $1,546 | 33% less |
| Kansas | $1,767 | 23% less |
| Kentucky | $1,992 | 14% less |
| Louisiana | $2,665 | 16% more |
| Maine | $1,106 | 52% less |
| Maryland | $1,734 | 25% less |
| Massachusetts | $1,623 | 30% less |
| Michigan | $2,184 | 5% less |
| Minnesota | $1,764 | 23% less |
| Mississippi | $1,629 | 29% less |
| Missouri | $1,906 | 17% less |
| Montana | $1,845 | 20% less |
| Nebraska | $1,822 | 21% less |
| Nevada | $1,737 | 25% less |
| New Hampshire | $1,215 | 47% less |
| New Jersey | $1,756 | 24% less |
| New Mexico | $1,803 | 22% less |
| New York | $1,313 | 43% less |
| North Carolina | $1,781 | 23% less |
| North Dakota | $1,423 | 38% less |
| Ohio | $1,371 | 41% less |
| Oklahoma | $1,832 | 21% less |
| Oregon | $1,618 | 30% less |
| Pennsylvania | $1,785 | 23% less |
| Rhode Island | $2,152 | 7% less |
| South Carolina | $1,842 | 20% less |
| South Dakota | $1,991 | 14% less |
| Tennessee | $1,904 | 17% less |
| Texas | $2,060 | 11% less |
| Utah | $1,588 | 31% less |
| Vermont | $1,188 | 48% less |
| Virginia | $1,279 | 45% less |
| Washington | $1,523 | 34% less |
| Washington, D.C. | $2,057 | 11% less |
| West Virginia | $1,581 | 31% less |
| Wisconsin | $1,352 | 41% less |
| Wyoming | $2,091 | 9% less |
Compare GMC Savana car insurance rates by state
GMC Sierra car insurance
- Average annual insurance cost: $2,180
- Starting MSRP - $39,200
- Trim Levels – Pro, SLE, SLT, AT4, Denali
Well known and accepted on the US market as one of the best full-sized trucks, GMC Sierra comes with a spacious cabin for drivers and excellent rear legroom.
With all these features established in Sierra, it can get a little expensive to insure. Although there are many other factors that play a key role in calculating insurance premiums.
The average monthly auto insurance cost for Sierra owners is $181 or $2,180 per year. The GMC Denali trim is the most expensive trim to insure, while the GMC Pro (Regular) trim is the cheapest trim level to insure.
Edmunds awarded 7.4 out of 10 points to Sierra for the powerful engine and comfort it offers. Apart from that, NHTSA has given GMC Sierra an overall four-star safety rating.
The table below shows the Sierra car insurance costs of various models, and the rates by company and state.
| Year and model | Average annual premium |
|---|---|
| 2023 GMC Sierra | $2,180 |
| 2022 GMC Sierra | $1,788 |
| 2021 GMC Sierra | $1,665 |
| 2020 GMC Sierra | $1,760 |
| 2019 GMC Sierra | $1,847 |
| 2018 GMC Sierra | $1,786 |
| 2017 GMC Sierra | $1,775 |
| 2016 GMC Sierra | $1,706 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,497 | $125 |
| Geico | $1,846 | $154 |
| Nationwide | $1,846 | $154 |
| Progressive | $2,238 | $187 |
| Farmers | $2,493 | $208 |
| Allstate | $3,054 | $254 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,148 | 7% less |
| Alaska | $1,824 | 21% less |
| Arizona | $2,261 | 2% less |
| Arkansas | $2,382 | 3% more |
| California | $2,778 | 21% more |
| Colorado | $3,085 | 34% more |
| Connecticut | $1,980 | 14% less |
| Delaware | $2,310 | Equal |
| Florida | $2,729 | 18% more |
| Georgia | $2,569 | 11% more |
| Hawaii | $1,414 | 39% less |
| Idaho | $1,647 | 29% less |
| Illinois | $2,038 | 12% less |
| Indiana | $1,869 | 19% less |
| Iowa | $1,884 | 18% less |
| Kansas | $2,152 | 7% less |
| Kentucky | $2,477 | 7% more |
| Louisiana | $3,162 | 37% more |
| Maine | $1,428 | 38% less |
| Maryland | $2,104 | 9% less |
| Massachusetts | $2,048 | 11% less |
| Michigan | $2,675 | 16% more |
| Minnesota | $2,170 | 6% less |
| Mississippi | $2,059 | 11% less |
| Missouri | $2,477 | 7% more |
| Montana | $2,270 | 2% less |
| Nebraska | $2,391 | 4% more |
| Nevada | $2,018 | 12% less |
| New Hampshire | $1,542 | 33% less |
| New Jersey | $2,079 | 10% less |
| New Mexico | $2,306 | Equal |
| New York | $1,618 | 30% less |
| North Carolina | $1,860 | 19% less |
| North Dakota | $1,881 | 18% less |
| Ohio | $1,776 | 23% less |
| Oklahoma | $2,197 | 5% less |
| Oregon | $2,018 | 12% less |
| Pennsylvania | $2,186 | 5% less |
| Rhode Island | $2,556 | 11% more |
| South Carolina | $2,193 | 5% less |
| South Dakota | $2,723 | 18% more |
| Tennessee | $2,378 | 3% more |
| Texas | $2,619 | 14% more |
| Utah | $2,003 | 13% less |
| Vermont | $1,542 | 33% less |
| Virginia | $1,592 | 31% less |
| Washington | $1,783 | 23% less |
| Washington, D.C. | $2,416 | 5% more |
| West Virginia | $1,987 | 14% less |
| Wisconsin | $1,740 | 25% less |
| Wyoming | $2,518 | 9% more |
Compare GMC Sierra car insurance rates by state
GMC Terrain car insurance
- Average annual insurance cost: $1,937
- Starting MSRP - $27,900
- Trim Levels – Pro, SLE, SLT, AT4, Denali, AT4X, Denali Ultimate
Established with an upscale and comfortable interior, Terrain is GMC’s compact SUV. The Terrain comes with GMC Pro Safety packages pre-installed. This feature alerts you to potential dangers and helps you avoid anything behind you when you park or reverse.
Usually, insurance companies consider the number of safety features a car is equipped with while calculating the insurance rates. The reason is cars with these features are at a lower risk of getting into an accident.
How much does it cost to insure a GMC Terrain? The average annual cost of insuring a GMC Terrain is $1,937 per year or $161 per month.
Out of the four known trim levels of Terrain, the cheapest trim to insure is the GMC Pro while the most expensive to insure is the Terrain Denali Ultimate. GMC Terrain earned an overall five-star safety rating from NHTSA (National Highway Traffic Safety Administration)
The GMC Terrain auto insurance premium for other models available, and the auto insurance rates by company and state are listed in the table below.
| Year and model | Average annual premium |
|---|---|
| 2023 GMC Terrain | $1,937 |
| 2022 GMC Terrain | $1,617 |
| 2021 GMC Terrain | $1,514 |
| 2020 GMC Terrain | $1,594 |
| 2019 GMC Terrain | $1,623 |
| 2018 GMC Terrain | $1,567 |
| 2017 GMC Terrain | $1,549 |
| 2016 GMC Terrain | $1,521 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,319 | $110 |
| Nationwide | $1,653 | $138 |
| Geico | $1,675 | $140 |
| Progressive | $2,016 | $168 |
| Farmers | $2,375 | $198 |
| Allstate | $2,569 | $214 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $1,917 | 17% less |
| Alaska | $1,600 | 31% less |
| Arizona | $1,986 | 14% less |
| Arkansas | $2,074 | 10% less |
| California | $2,412 | 5% more |
| Colorado | $2,391 | 4% more |
| Connecticut | $1,813 | 21% less |
| Delaware | $2,117 | 8% less |
| Florida | $2,630 | 14% more |
| Georgia | $2,274 | 1% less |
| Hawaii | $1,345 | 42% less |
| Idaho | $1,422 | 38% less |
| Illinois | $1,809 | 22% less |
| Indiana | $1,660 | 28% less |
| Iowa | $1,627 | 29% less |
| Kansas | $1,864 | 19% less |
| Kentucky | $2,357 | 2% more |
| Louisiana | $2,938 | 27% more |
| Maine | $1,234 | 46% less |
| Maryland | $1,902 | 17% less |
| Massachusetts | $1,831 | 21% less |
| Michigan | $2,597 | 13% more |
| Minnesota | $1,867 | 19% less |
| Mississippi | $1,803 | 22% less |
| Missouri | $2,178 | 6% less |
| Montana | $1,979 | 14% less |
| Nebraska | $2,056 | 11% less |
| Nevada | $1,852 | 20% less |
| New Hampshire | $1,392 | 40% less |
| New Jersey | $2,023 | 12% less |
| New Mexico | $2,039 | 12% less |
| New York | $1,460 | 37% less |
| North Carolina | $1,738 | 25% less |
| North Dakota | $1,604 | 30% less |
| Ohio | $1,593 | 31% less |
| Oklahoma | $1,893 | 18% less |
| Oregon | $1,815 | 21% less |
| Pennsylvania | $1,995 | 13% less |
| Rhode Island | $2,359 | 2% more |
| South Carolina | $1,992 | 14% less |
| South Dakota | $2,240 | 3% less |
| Tennessee | $2,152 | 7% less |
| Texas | $2,374 | 3% more |
| Utah | $1,778 | 23% less |
| Vermont | $1,414 | 39% less |
| Virginia | $1,422 | 38% less |
| Washington | $1,689 | 27% less |
| Washington, D.C. | $2,194 | 5% less |
| West Virginia | $1,648 | 29% less |
| Wisconsin | $1,522 | 34% less |
| Wyoming | $2,160 | 6% less |
Compare GMC Terrain car insurance rates by state
GMC Yukon car insurance
- Average annual insurance cost: $2,213
- Starting MSRP - $52,500
- Trim Levels - SLE, SLT, AT4, Denali
The full-size SUV, GMC Yukon comes in a standard version as well as an XL version for drivers who look for extra room while driving. The Yukon XL Denali is GMC's largest SUV with an eight-passenger capacity. It is also equipped with numerous safety features like forward collision alert, lane keep assist, and safety alert seats.
The average annual cost to insure a GMC Yukon is $2,213 or about $184 per month, based on Insurance.com rate data analysis.
The 2020 model of Yukon earned four stars for crash testing ratings performed by NHTSA. The cheapest trim to insure Yukon is SLE trim level and the most expensive trim to insure is Yukon Denali.
The auto insurance rates for GMC Yukon models, and rates by company and rates by state are listed in the table below.
| Year and model | Average annual premium |
|---|---|
| 2023 GMC Yukon | $2,213 |
| 2022 GMC Yukon | $1,840 |
| 2021 GMC Yukon | $1,777 |
| 2020 GMC Yukon | $1,785 |
| 2019 GMC Yukon | $1,889 |
| 2018 GMC Yukon | $1,853 |
| 2017 GMC Yukon | $1,835 |
| 2016 GMC Yukon | $1,765 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,534 | $128 |
| Nationwide | $1,589 | $132 |
| Geico | $1,981 | $165 |
| Progressive | $2,181 | $182 |
| Farmers | $2,493 | $208 |
| Allstate | $3,434 | $286 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,131 | 8% less |
| Alaska | $1,850 | 20% less |
| Arizona | $2,264 | 2% less |
| Arkansas | $2,434 | 6% more |
| California | $2,686 | 17% more |
| Colorado | $2,777 | 20% more |
| Connecticut | $2,055 | 11% less |
| Delaware | $2,414 | 5% more |
| Florida | $3,049 | 32% more |
| Georgia | $2,531 | 10% more |
| Hawaii | $1,461 | 37% less |
| Idaho | $1,642 | 29% less |
| Illinois | $2,024 | 12% less |
| Indiana | $1,872 | 19% less |
| Iowa | $1,916 | 17% less |
| Kansas | $2,315 | Equal |
| Kentucky | $2,811 | 22% more |
| Louisiana | $3,327 | 44% more |
| Maine | $1,546 | 33% less |
| Maryland | $2,206 | 4% less |
| Massachusetts | $2,136 | 7% less |
| Michigan | $2,722 | 18% more |
| Minnesota | $2,223 | 4% less |
| Mississippi | $2,137 | 7% less |
| Missouri | $2,527 | 10% more |
| Montana | $2,366 | 3% more |
| Nebraska | $2,409 | 5% more |
| Nevada | $2,049 | 11% less |
| New Hampshire | $1,608 | 30% less |
| New Jersey | $2,236 | 3% less |
| New Mexico | $2,295 | Equal |
| New York | $1,858 | 19% less |
| North Carolina | $1,768 | 23% less |
| North Dakota | $1,947 | 16% less |
| Ohio | $1,755 | 24% less |
| Oklahoma | $2,245 | 3% less |
| Oregon | $2,037 | 12% less |
| Pennsylvania | $2,281 | 1% less |
| Rhode Island | $2,637 | 14% more |
| South Carolina | $2,187 | 5% less |
| South Dakota | $2,759 | 20% more |
| Tennessee | $2,400 | 4% more |
| Texas | $2,664 | 16% more |
| Utah | $1,975 | 14% less |
| Vermont | $1,661 | 28% less |
| Virginia | $1,612 | 30% less |
| Washington | $1,778 | 23% less |
| Washington, D.C. | $2,559 | 11% more |
| West Virginia | $1,983 | 14% less |
| Wisconsin | $1,783 | 23% less |
| Wyoming | $2,768 | 20% more |
Compare GMC Yukon car insurance rates by state
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