Best GMC Sierra Car Insurance in 2025 (Your Guide to the Top 10 Companies)

The best GMC Sierra car insurance is offered by State Farm, Geico, and USAA, with rates starting as low as $45 per month. These companies stand out for their competitive pricing and comprehensive coverage options. State Farm is our top pick overall due to its exceptional value and extensive customer service.

There is a multitude of factors that play a role in your insurance premiums, so make sure you do your homework before purchasing a GMC Sierra or any vehicle. The GMC Sierra has been an old standby for GMC since 1960.

Our Top 10 Company Picks: Best GMC Sierra Car Insurance

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#1 – State Farm: Top Overall Pick

Pros

• Affordable Monthly Rates: State Farm offers some of the best rates for GMC Sierra insurance, starting at $45 per month, making it a cost-effective choice for truck owners. More information about their rates in our State Farm car insurance review.
• Comprehensive Coverage Options: Provides a wide range of coverage options tailored to GMC Sierra owners, including collision, comprehensive, and liability coverage, ensuring robust protection.
• Strong Network of Local Agents: With a vast network of local agents, State Farm offers personalized service and support, which is advantageous for GMC Sierra owners who prefer face-to-face interactions.

Cons

• Discount Availability: State Farm’s discounts for GMC Sierra owners may be less extensive compared to some competitors, potentially limiting savings. Explore further details in our “State Farm Car Insurance Review.”
• Premium Variability: Premiums can vary significantly depending on the state, which may affect the overall affordability for GMC Sierra policyholders.

#2 – Geico: Best for Affordable Rates

Pros

• Low Premiums: As outlined in Geico car insurance review, Geico is known for offering competitive rates for GMC Sierra insurance, starting around $45 per month, making it an attractive option for budget-conscious drivers.
• Easy Online Management: Geico’s user-friendly online tools and mobile app make it easy for GMC Sierra owners to manage their policies and file claims efficiently.
• Strong Discount Program: Offers various discounts, such as safe driving and multi-vehicle discounts, which can help reduce premiums for GMC Sierra policyholders.

Cons

• Customer Service Issues: Geico has mixed reviews for customer service, which may impact GMC Sierra owners who require prompt and reliable support.
• Limited Specialized Coverage: Geico may not offer as many specialized coverage options for GMC Sierra trucks, potentially limiting customization for specific needs.

#3 – USAA: Best for Military Benefits

Pros

• Exceptional Rates for Military Members: USAA provides some of the lowest rates for GMC Sierra insurance, especially for military families, starting at $45 per month.
• Highly Rated Customer Service: Known for excellent customer service and high satisfaction ratings, USAA offers exceptional support for GMC Sierra owners. Learn more in our USAA car insurance review.
• Comprehensive Coverage Options: Offers extensive coverage options tailored to GMC Sierra vehicles, including specialized add-ons for military families.

Cons

• Eligibility Restrictions: USAA’s services are limited to military members and their families, restricting access for non-military GMC Sierra owners.
• Higher Premiums for Non-Military: For eligible non-military individuals, USAA rates might be higher compared to other providers, which can impact affordability.

#4 – Auto-Owners: Best for High Satisfaction

Pros

• Competitive Pricing: As outlined in Auto-Owners car insurance review, Auto-Owners offers competitive rates for GMC Sierra insurance, with premiums starting around $45 per month, making it a cost-effective option.
• Comprehensive Coverage Choices: Provides a variety of coverage options tailored to GMC Sierra trucks, ensuring comprehensive protection against various risks.
• High Customer Satisfaction: Known for high customer satisfaction, Auto-Owners is praised for its efficient claims process and responsive support for GMC Sierra owners.

Cons

• Limited Discount Options: Auto-Owners may have fewer discount options specifically for GMC Sierra owners, potentially impacting overall savings.
• Regional Availability: Certain features and discounts may not be available in all regions, affecting GMC Sierra policyholders based on their location.

#5 – Travelers: Best for Flexible Options

Pros

• IntelliDrive Program: Travelers offers the IntelliDrive program, a usage-based insurance option that can lower premiums based on safe driving habits for GMC Sierra owners.
• Competitive Premiums: Offers competitive rates starting at $45 per month, making it an affordable choice for GMC Sierra insurance. See more details on our Travelers car insurance review.
• Customizable Coverage: Provides a range of coverage options and add-ons, allowing GMC Sierra owners to tailor their insurance policies to specific needs.

Cons

• Mixed Customer Service Reviews: Travelers has mixed feedback regarding customer service, which can be a downside for GMC Sierra owners needing consistent support.
• Claims Satisfaction Issues: Some GMC Sierra policyholders report dissatisfaction with the claims process, indicating potential delays or disputes.

#6 – Nationwide: Best for Strong Reputation

Pros

• Vanishing Deductible: Nationwide’s vanishing deductible program reduces the deductible each year a GMC Sierra owner drives claim-free, providing long-term savings.
• Affordable Rates: Offers competitive insurance rates for GMC Sierra trucks, with premiums starting at $45 per month. Check out their ratings in our complete Nationwide car insurance discount.
• Customizable Coverage: Provides a wide range of coverage options and add-ons, allowing GMC Sierra owners to tailor their insurance policies to meet their needs.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, which may affect affordability for GMC Sierra policyholders.
• Customer Service Variability: Mixed reviews on customer service responsiveness, with some GMC Sierra drivers reporting issues in receiving timely assistance.

#7 – Progressive: Best for Unique Features

Pros

• Snapshot Program: Progressive’s Snapshot program offers usage-based discounts based on driving behavior, rewarding safe GMC Sierra drivers with personalized savings.
• Multi-Vehicle Discount: Provides a 12% discount for insuring multiple vehicles, which can lower overall GMC Sierra insurance cost for owners with more than one car.
• Wide Range of Coverage Options: Offers a variety of customizable coverage options and add-ons, catering specifically to GMC Sierra insurance needs. Learn more details in our Progressive car insurance review.

Cons

• Customer Service Concerns: Progressive has mixed reviews for customer service, which may affect GMC Sierra owners needing reliable and prompt assistance.
• Potential Rate Increases: There is potential for significant rate increases after the initial policy term, which can impact long-term affordability for insurance for GMC Sierra.

#8 – Liberty Mutual: Best for Customizable Coverage

Pros

• Accident Forgiveness: Liberty Mutual offers accident forgiveness, helping GMC Sierra owners avoid rate increases after their first accident, providing peace of mind.
• Customizable Policies: Provides a range of add-ons and coverage options, allowing GMC Sierra owners to customize their insurance policies to meet their specific needs.
• Competitive Rates: Offers competitive premiums starting at $45 per month, making it a budget-friendly option for GMC Sierra insurance. Learn more in our Liberty Mutual car insurance review.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, which may be a drawback for GMC Sierra owners seeking more affordable options.
• Customer Service Issues: Mixed reviews on customer service, with some GMC Sierra policyholders reporting challenges in receiving adequate support.

#9 – American Family: Best for Personalized Service

Pros

• Strong Customer Support: American Family is known for its excellent customer service and support, which is beneficial for GMC Sierra owners who value responsive assistance.
• Affordable Rates: Offers competitive insurance rates for GMC Sierra trucks, starting around $45 per month, providing good value for money. More information in our American Family car insurance review.
• Comprehensive Coverage: Provides a range of coverage options tailored to GMC Sierra vehicles, ensuring robust protection and customization.

Cons

• Limited Discount Options: May not offer as many discount opportunities specifically for GMC Sierra owners compared to some competitors, which can impact overall savings.
• Regional Variability: The availability of coverage options and discounts may vary by region, potentially affecting GMC Sierra policyholders based on their location.

#10 – Allstate: Best for Extensive Discounts

Pros

• Local Agent Network: Allstate’s network of local agents provides personalized assistance, which can be particularly helpful for GMC Sierra owners who prefer face-to-face interactions.
• Extensive Coverage Options: As mentioned in our Allstate car insurance review, Allstate offers a broad range of coverage options and add-ons, allowing GMC Sierra owners to tailor their insurance policies to their specific needs.
• Strong Financial Stability: Rated A+ by A.M. Best, indicating strong financial health and reliability, ensuring that GMC Sierra policyholders’ claims are well-supported.

Cons

• Higher Premiums: Premiums tend to be higher compared to some other insurers, potentially making it less affordable for GMC Sierra owners seeking budget-friendly options.
• Mixed Customer Service Reviews: Allstate has received mixed reviews regarding customer service, which may affect GMC Sierra owners seeking consistent support.

1500, Denali and Hybrid Sierra Cost Difference

Like with any vehicle, the make and model do play a role in figuring out what car insurance premium you need. The cost of the vehicle is a significant factor in analyzing how much your rates will be.

Generally, the more expensive the vehicle, the more expensive your rates will be.

With that stated, the Sierra 1500 is the most affordable of the three versions with a base sticker price just under $28,000. The Denali is higher end model of the Sierra and can run upwards of $55,000.

GMC Sierra Car Insurance Monthly Rates by Coverage Level & Provider

The Sierra Hybrid is no longer in production, but when it was, its MSRP was in the high $30,000 range. So with all things being equal, to replace a Denali is going to be, at times, more than twice the amount of replacing a Sierra 1500.

The car insurance company is not going to give the same rate to a person who drives a Denali versus one who drives a more traditional 1500 model.

Saving Insurance Premiums With Sierra Hybrid

Having any sort of hybrid car will, of course, save you money at the gas tank. But you are going to pay at the front end for this technology. With a Sierra Hybrid costing about $37,000, it will cost more to repair and replace versus a Sierra 1500 that cost you $27,000 out the door. For more information, read our article titled “When will my hybrid car start to pay for itself?”

Types of Insurance Discounts for the GMC Sierra

Yes, there are some discounts that many of the reputable car insurance companies will offer. By having air bags and motorized seatbelts in your GMC (which many models offer or you will be able to upgrade to them) you may be able to get a discount on your car insurance policy.

Having anti-lock brakes, which again are standard on your GMC Sierra, will provide you with another insurance discount. Anti-theft devices also provide you with lower premiums. GMC with its partnership with OnStar is usually seen as an anti-theft system by numerous insurance carriers. See table below:

GMC is trying to work out even better deals with insurance carriers to give the owners of their vehicles more of an incentive to keep OnStar with their vehicle. Read our article titled “What cars will increase the cost of insurance?”

Right now, almost half the owners of vehicles with OnStar don’t renew due to the pricey annual fee for the service (about $299). And those that do keep OnStar after the first year only renew for the second year about 60% of the time.

Safety Factors to With Your Car Insurance Premiums

The GMC Sierra has stellar marks when it comes to overall safety ratings and reviews by independent testing organizations. GMC is mentioned in our article titled “Safest Cars in America.”

The GMC Sierra receives a 5-star rating (out of 5) with driver side frontal and rear impact testing, a 5-star rating for passenger side frontal and rear impact testing, and a 4-star rating for roller safety testing.

And IIHS (Insurance Institute for Highway Safety) as stated on their website is “an independent, nonprofit, scientific, and educational organization dedicated to reducing the losses — deaths, injuries, and property damage — from crashes on the nation’s highways.”

They are the premier agency when it comes to determining the safety of all vehicles. They primarily focus on high speed frontal and side collision results, as well as seat head restraints and protection in regards to neck injuries and overall impact.

The Sierra rated Acceptable (their second highest rating) for five of the 19 factors tested by the institute. And only one factor (rear passenger torso) had a Marginal rating (the 3rd of the 4th rung of their rating scale).

How to Lower Your GMC Sierra Car Insurance Premiums

To further optimize your GMC Sierra car insurance premiums, consider several additional factors beyond just choosing the right insurer. Your age, driving record, and the amount and type of coverage you purchase can significantly impact your rates.

Additionally, the age of your vehicle, along with discounts such as good student, safe driver, multiple policy, and early signing discounts, can help lower your premiums. By taking these elements into account, you can better manage and potentially reduce your insurance costs while ensuring that you have the appropriate coverage for your GMC Sierra.

Read More: Does driving less affect car insurance rates?