Compare GMC Car Insurance Rates

Looking for car insurance for your GMC? You’ve come to the right place. Check out our latest guide below on everything you need to know about car insurance for GMC trucks and SUVs.

Updated February 14, 2022

Originally founded in 1911, GMC has always been known for its large family-oriented vehicles. Part of the General Motors of North America brand, they produce SUVs, pickup trucks, large vans, and other light-duty vehicles. 

This company began as the Rapid Motor Vehicle Company in Pontiac, Michigan. It was later purchased by General Motors, and rebranded as the General Motors Truck Company in 1911 and was later known as GMC. Over the decades, GMC focused on producing buses, light-duty trucks, and military vehicles. In the 1960s-1980s, GMC turned its attention to minivans, smaller trucks, and SUVs, producing cars like the Yukon and Savanna. 

Below, you’ll find a guide to insuring a GMC based on the model and insurance company, as well as various features that can help you save on your insurance premium. 

If patience isn’t your strong suit and you want to skip a few steps, no problem! Get the cheapest rate for your GMC vehicle by entering your zip code below. 

Cost of GMC Car Insurance

The average cost to insure a GMC vehicle is $90/mo. When comparing that with the national average to insure all vehicles in the United States – $106/mo – you’ll find that insurance for a GMC vehicle is 15% less than the average. 

While GMC drivers may jump for joy to hear that they may get cheaper rates, don’t pop the champagne too soon. Just because most drivers get rates like this doesn’t necessarily mean that you will too. The best way to ensure you’re getting the best rate is to compare the rates of different auto insurance companies. And you don’t want to just look at 1 or 2. The truth is the more rates you compare the more likely you are to find the best premium available.

The good news is we can help you do that in 5 minutes or less. Simply enter your zip code below to get started in your search for personalized auto insurance quotes. 

GMC Car Insurance Rates by Model

Although the average cost of insuring a GMC is $90/mo that changes when you look at the specific model. Different car models with various passenger levels and engine types can significantly change the cost of auto insurance for drivers. 

Here are the average insurance rates for some of the most common GMC models. 


The GMC Yukon is a powerful, three-row full-size SUV that can easily fit up to 8 passengers. Riders will enjoy its spacious interior, and adventurous families will make good use of its towing capabilities. To insure a Yukon, you can expect to pay around $89 a month. 


A light-duty pickup truck, the GMC Sierra boasts a powerful engine and large cargo bed. The suspension light on this truck makes it the perfect off-roading truck for a weekend adventure. You can expect to pay an average of $88 a month to insure a Sierra. 


The GMC Envoy was in production from 1998 to 2009. While new models are unavailable, you can still find many used options on the market for sale. This five-seater compact SUV featured all-wheel-drive capabilities and a V-8 engine in most models. Insurance premiums will average around $85 a month to insure an Envoy. 


This five-seat compact  SUV is great for commuters and small families. Many of its models come fitted with all-wheel drive, making it a great choice to drive in all the elements. Insurance premiums for a Terrain will hover around $123 a month. 


The GMC Acadia is a mid-size SUV that can seat up to seven passengers. Drivers will enjoy this vehicle’s rear view camera, all-wheel drive, and the option to choose between a four-cylinder or V-6 engine. To insure a GMC Acadia, you can expect to pay about $108 a month. 


Produced from 1992 – 2004, the GMC Sonoma was a two-door classic pickup truck perfect for towing and transporting large cargo. To insure a GMC Sonoma, you can expect to pay around $64 for coverage. 


Discontinued in 2002, the GMC Jimmy was a four-door compact SUV. Insurance premiums for the GMC Jimmy tend to be on the lower end, averaging $62 a month for coverage. 


The GMC Canyon is a full-size four-door pickup truck. Drivers who like to go off-road and need a vehicle for towing large objects will enjoy this truck. To insure a GMC Canyon, expect to pay around $98 a month.


Not to be confused with the Chevrolet Suburban you often see on the road today, the GMC Suburban was in production from 1992-1999. It’s a full-size SUV that can fit up to nine passengers. Insuring a GMC Suburban will cost you around $62 a month.


The GMC Savanna is a cargo van made for transporting up to 15 passengers. This van is also known for its towing abilities and swing-out doors for easy entry. Insurance premiums for GMC’s Savanna will run you about $92 a month. 

Car Insurance Rates by Insurance Company

Auto insurance rates will vary for GMC vehicles based on the model and insurance company you choose. Insurance providers use a unique combination of factors to calculate your insurance policy cost, such as your driving record, marital status, education, and address. They can also choose to place more emphasis on certain factors, which affect how they set your insurance rate.  This is one of the many reasons why you’ll see a wide range in your search. 

Here is a list of auto insurance companies that offer the most affordable rates when insuring a GMC vehicle. 

Insurance Company Monthly Premium
Commonwealth Casualty $56
Mercury $58
Metromile $63
Gainsco $73
Mile Auto $75

With this table, you can get an idea of how insurance premiums differ in price based on your auto insurer. 

All of the companies on the list offer insurance for $75 a month or lower. The two lowest companies are Commonwealth Casualty ($56/mo) and Mercury ($58/mo). Then you have a jump of $5 with Metromile ($63/mo), followed by a $10 jump to Gainsco ($73/mo). 

Mile Auto charges the highest average rate at $75/mo. 

This variation in rates is one of the reasons why it’s best to compare rates between different companies to get the best rate possible. Now that you know the cheapest rates for GMC, the next best thing is to see how low your rates can go without sacrificing coverage. We’ll help you get started. 

Simply enter your zip code below and within a few minutes you’ll have everything you need!

GMC Features That Impact Insurance Cost

As you saw earlier, insurance rates between GMC models can vary wildly. Premiums can differ even more so based on the features your vehicle is equipped with. If you’re currently the owner of a GMC vehicle, check to see if your car has any of these features. Even if it doesn’t,  it may be worth adding them to your car to get a discount. If you’re in the market for a GMC, see if you can snag a model that has some of these safety features. It just might save you in the long run. 

Here are a few features that affect your insurance premium. 

Vehicle Trim: The trim level of your GMC will directly affect how much you pay for insurance. If your trim level comes with an upgraded interior or other technological advancements, you can expect to pay more in car insurance. 

Anti Lock Brakes: An Anti-lock brakes system, also known as ABS, is a safety feature that keeps you from putting excessive pressure on your brakes. This helps to prevent your axle and wheels from malfunctioning. Having a vehicle with this safety feature can positively affect the cost of your insurance policy. 

Airbags: Airbags are standard safety features in cars these days, but you can still save money on car insurance for having them. If your car has driver, passenger, front head, rear head, and front side airbags, you may qualify for additional savings. 

Rear Park Assist: If your car is equipped with a feature that alerts you when you’re getting too close to another object or driver when parking in reverse, you might qualify for a discount with your insurer. 

Lane Keep Assist: This feature helps drivers know when they start to drift out of their lane and assists them in correcting their driving. It helps reduce the risk of accidents, and insurance companies will reward you for having it in your car because it lessens the likelihood that they’ll have to pay out on an expensive claim. 

Automatic High Beams: Automatic high beams give drivers clearer night vision, and help make them safer drivers, especially in dark areas. Insurance companies may offer you a discount for having lights like this.

Other safety features you might find on your GMC include:

  • Front pedestrian braking
  • Adaptive cruise control
  • Enhanced automatic emergency braking
  • Lane keep assist with lane departure warning
  • Automatic parking assist
  • Automatic emergency braking
  • Side blind zone alert
  • Rear cross traffic alert

FAQs About GMC Car Insurance

Are GMC cars more expensive to insure?

The average cost for car insurance is $106/mo and the average cost to insure a GMC vehicle is $90/mo. With a difference of 15%, it’s safe to say that GMC cars are cheaper to insure than average

Does GMC have their own car insurance?

GMC offers insurance for its drivers through its OnStar insurance services brand. OnStar tracks the driving behavior of its policyholders and uses this data to calculate insurance premiums. While this is one option for drivers, we strongly recommend that you compare insurance rates to find the best option for you. 

How much does GMC insurance cost?

How much each driver pays for car insurance will vary, but the average cost to insure a GMC vehicle is $90/mo. 

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