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Aly J. Yale is an insurance writer for Compare.com. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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GMC drivers pay an average of $135 per month for car insurance — less than the average for all vehicles. GMC insurance likely costs less due to the strong safety ratings of many GMC vehicles and a higher-than-average dependability ranking.[1] [2] [3] [4]
Still, it’s important to shop around for car insurance because rates can vary from one company to the next. Among the insurers we analyzed, average rates ranged from $72 to well above $200 per month.
Here’s what you need to know about GMC insurance and how to find the best rates.
Insurance coverage for GMC cars costs an average of $135 per month, $17 less than the average for all vehicles.
The GMC Terrain is the cheapest GMC model to insure.
Mile Auto, Certainly, and Travelers offer the cheapest GMC auto insurance coverage.
Insurance rates vary by vehicle make and the coverage you choose. The table below shows how average GMC premiums compare to all cars across different coverage levels, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| GMC | $96 | $174 | $135 |
| All makes | $107 | $197 | $152 |
The average GMC car insurance rate is $17 less per month than other vehicles. GMC drivers pay an average of $96 per month for liability-only coverage and $174 per month for full coverage.
The model of GMC you drive affects your insurance premium. Different models have different safety and reliability ratings, and some may be more prone than others to damage or theft.[5]
Your coverage choices play a role, too. Choosing the minimum amount of insurance required by your state comes with a lower price, but it covers only damage and injuries you cause to others.[6] Opting for full coverage, which typically includes liability, comprehensive, and collision insurance, offers more protection but also costs more.
The chart below shows the average premiums for liability and full-coverage insurance across popular GMC models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Acadia | $93 | $169 |
| Canyon | $97 | $176 |
| Sierra | $102 | $186 |
| Terrain | $93 | $168 |
| Yukon | $96 | $175 |
| Yukon XL | $98 | $178 |
| All GMC models | $94 | $174 |
The cheapest GMC model to insure is the Terrain, at an average of $168 per month for full coverage. The GMC Sierra costs the most, averaging $186 per month.
We’ll explore the companies offering the cheapest GMC insurance premiums below.
The above rates are only averages, and you can always look for ways to pay less for auto coverage. Shopping around can help you find the coverage you need at the best price.
The table below shows how GMC premiums vary by insurer, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $72 |
| Certainly | $75 |
| Travelers | $80 |
| Just Pay-Per-Mile | $87 |
| Nationwide | $96 |
| Clearcover | $97 |
| Root | $97 |
| Safeco | $102 |
| First Chicago | $102 |
| Midvale Home & Auto | $105 |
Mile Auto offers the cheapest average GMC rates, at $72 per month. But rates can vary depending on factors like your age and driving habits. You should always compare quotes from several companies to make sure you’re getting the best rate.
You should also consider other factors when comparing insurers, like customer service, discounts offered, and available coverages. We’ll look at some standout GMC insurers below.
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There’s no single best insurer for every driver. When it comes to getting coverage for your GMC, the right choice depends on factors like your driving habits, location, and coverage needs.
The following three companies stand out for GMC insurance based on their rates, discounts, customer reviews, and coverage options. Use these companies as a starting point when looking to insure your GMC.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
If you don’t commute much, Mile Auto’s pay-per-mile insurance may be the best way to save money on your coverage. The company offers the lowest average rates for GMC insurance, at $72 per month.
But Mile Auto is available only in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. And while the company offers low rates, it doesn’t have as many coverage options as other insurers.
Low average premiums
Tracking device not required
Can get quotes online
Must submit monthly odometer readings
Available only in seven states
Limited coverage options
| User Ratings | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $140/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $190/mo |
Clearcover offers low rates to teens and young drivers — a big selling point since this group tends to pay some of the highest rates. But customer satisfaction levels are low, so be sure to do your due diligence before deciding if Clearcover is right for you.
Clearcover offers low rates to teens and young drivers — a big selling point since this group tends to pay some of the highest rates. But customer satisfaction levels are low, so be sure to do your due diligence before deciding if Clearcover is right for you.
Clearcover can be a great option for techy-savvy GMC owners. You can get a quote and file claims using its app, allowing you to quickly get help. The company has affordable rates for most drivers and an A+ rating with the BBB.
But Clearcover isn’t available everywhere, so you’ll have to check if you can get it in your state. The insurer also offers fewer discounts and coverage options than some of its competitors.
Cheap rates
Fast claims processing
A+ BBB rating[7]
Available in only 18 states
Few discounts available
Gap insurance not available
Find out how much you could save by comparing rates from 100+ top insurers.
Where you live affects your car insurance rates. Weather, crime and accident rates, traffic patterns, and other risks can vary widely by location. North Carolina drivers pay the lowest average premiums on GMC cars, just $67 per month. Connecticut drivers pay the highest average rates, at $271 per month.
The map below shows how GMC insurance premiums compare across states, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $89 |
| Arizona | $119 |
| Arkansas | $170 |
| California | $171 |
| Colorado | $139 |
| Connecticut | $271 |
| Delaware | $165 |
| Florida | $174 |
| Georgia | $177 |
| Idaho | $90 |
| Illinois | $111 |
| Indiana | $96 |
| Iowa | $81 |
| Kansas | $109 |
| Kentucky | $174 |
| Louisiana | $161 |
| Maine | $106 |
| Maryland | $245 |
| Massachusetts | $134 |
| Michigan | $209 |
| Minnesota | $134 |
| Mississippi | $134 |
| Missouri | $130 |
| Montana | $108 |
| Nebraska | $125 |
| Nevada | $212 |
| New Hampshire | $82 |
| New Jersey | $141 |
| New Mexico | $103 |
| New York | $343 |
| North Carolina | $67 |
| North Dakota | $103 |
| Ohio | $91 |
| Oklahoma | $115 |
| Oregon | $114 |
| Pennsylvania | $116 |
| Rhode Island | $102 |
| South Carolina | $195 |
| South Dakota | $86 |
| Tennessee | $100 |
| Texas | $158 |
| Utah | $130 |
| Vermont | $97 |
| Virginia | $129 |
| Washington | $99 |
| District of Columbia | $202 |
| West Virginia | $103 |
| Wisconsin | $91 |
| Wyoming | $86 |
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While choosing an insurer with low rates is important, you should also consider your coverage needs. Here’s how to determine the right insurance coverage for your GMC:
Know your risks. If you drive frequently, you may have a higher risk of accidents, so you should probably consider more coverage. Some GMC models also have high theft rates and cost more to repair.
Understand your state’s requirements. Most states have minimum coverage requirements. But liability-only insurance covers only damage and injuries you cause to others in an accident. You’ll need collision and comprehensive insurance if you want to protect your car, too.
Consider your financing method. If you finance or lease your GMC, lenders typically require you to have collision and comprehensive insurance. If you purchased your car outright, you may not need as much coverage.[8] [9]
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While insurers set your rates, you can always try to get the best possible price. Here are some ways you can get cheaper insurance for your GMC:
Choose a higher deductible: Opting for a higher deductible can lower your monthly premium. But you’ll pay more out of pocket if you file a claim, so make sure you can cover that cost.
Reduce coverage for older GMC models: Check the Kelley Blue Book value of your GMC and decide whether you want to lower your coverage. If your insurance premiums are 10 times or more your car’s value, then comprehensive or collision coverage likely isn’t worth it.
Look for discounts: Many companies offer discounts that can reduce your rate. You could get discounts for things like driving less frequently, taking a defensive driving course, or getting good grades.
Compare quotes: GMC insurance premiums can vary by insurance company. Use a car insurance comparison site to find the best price when it’s time to renew your policy.[10]
Find the coverage you need at the best price.
If you’re on the hunt for GMC insurance, we’ve answered some common questions from drivers below.
GMC drivers pay an average of $135 per month for car insurance, according to Compare.com data. Liability-only coverage for GMC vehicles costs an average of $96 per month, and full coverage costs an average of $174 per month.
Not typically. GMC drivers pay an average of $135 per month for car insurance, which is less than the national average for all vehicles of $152 per month, according to Compare.com data.
The Acadia and Terrain are the cheapest GMC models to insure, with liability rates averaging $93 per month, according to Compare.com data.
The GMC 3-year, 36,000-mile warranty offers repair coverage for the first three years or 36,000 miles after buying your vehicle, whichever comes first. The warranty doesn’t cover routine maintenance.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Aly J. Yale is an insurance writer for Compare.com. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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