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Are GMC car models expensive to insure? The average cost to insure a GMC, for drivers age 30, for all the models combined is $1,643 per year. Similarly, the average cost of insuring a GMC, for drivers age 40 is $1,581 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 $1,471 per year for drivers age 30 and $1,422 per year for drivers age 40.

Whereas the most expensive GMC car to insure is GMC Yukon at $1,856 per year for drivers age 30 and $1,782 per year for drivers age 40. To know more about the car insurance rates of GMC cars, refer to the table below.

Make and ModelAverage annual rates for drivers age 30Average annual rates for drivers age 40
2021 GMC Acadia$1,650$1,586
2021 GMC Canyon$1,603$1,544
2021 GMC Savana$1,471$1,422
2021 GMC Sierra$1,721$1,655
2021 GMC Terrain$1,555$1,497
2021 GMC Yukon$1,856$1,782

Choose Your Vehicle Model

GMC Acadia car insurance

GMC Acadia
Acadia Highlights
  • Average annual insurance cost: $1,650 per year
  • 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 $1,636 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 are listed in the table below.

Make and ModelAverage annual rates
2015 GMC Acadia$1,483
2016 GMC Acadia$1,506
2017 GMC Acadia$1,581
2018 GMC Acadia$1,598
2019 GMC Acadia$1,646
2020 GMC Acadia$1,636

Compare GMC Acadia car insurance rates by state

GMC Canyon car insurance

GMC Canyon
Canyon Highlights
  • Average annual insurance cost: $1,603 per year
  • 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 $1,541 per year or $128 per month.

Newer models of Canyon are more expensive to insure than the older ones. For instance, the insurance rate for a 2020 model of Canyon is $1,541 per year whereas the cost of insuring a 2015 model of Canyon is $1,442 per year. The cost of insuring the 2020 Canyon model is $99 more than the cost of insuring the 2015 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.

Make and ModelAverage annual rates
2015 GMC Canyon$1,442
2016 GMC Canyon$1,470
2017 GMC Canyon$1,528
2018 GMC Canyon$1,538
2019 GMC Canyon$1,604
2020 GMC Canyon$1,541

Compare GMC Canyon car insurance rates by state

GMC Savana car insurance

GMC Savana
Savana Highlights
  • Average annual insurance cost: $1,471 per year
  • 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 $1,541 per year or $128 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 $1,496 to insure a 2015 Savana model while the rate for the 2020 Savana model is $1,541 per year. The cost of insuring the 2015 model is 3% cheaper than the cost of insuring the 2020 model.

To know the insurance rates for GMC Savana for other model years, refer to the table below.

Make and ModelAverage annual rates
2015 GMC Savana$1,496
2016 GMC Savana$1,535
2017 GMC Savana$1,488
2018 GMC Savana$1,506
2019 GMC Savana$1,522
2020 GMC Savana$1,541

Compare GMC Savana car insurance rates by state

GMC Sierra car insurance

GMC Sierra
Sierra Highlights
  • Average annual insurance cost: $1,721 per year
  • 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 $145 or $1,745 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.

Make and ModelAverage annual rates
2015 GMC Sierra$1,642
2016 GMC Sierra$1,694
2017 GMC Sierra$1,763
2018 GMC Sierra$1,773
2019 GMC Sierra$1,829
2020 GMC Sierra$1,745

Compare GMC Sierra car insurance rates by state

GMC Terrain car insurance

GMC Terrain
Terrain Highlights
  • Average annual insurance cost: $1,555 per year
  • 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 $1,555 per year or $132 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 is listed in the table below.

Make and ModelAverage annual rates
2015 GMC Terrain$1,459
2016 GMC Terrain$1,495
2017 GMC Terrain$1,525
2018 GMC Terrain$1,554
2019 GMC Terrain$1,604
2020 GMC Terrain$1,584

Compare GMC Terrain car insurance rates by state

GMC Yukon car insurance

GMC Yukon
Yukon Highlights
  • Average annual insurance cost: $1,856 per year
  • 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 $1,856 or about $155 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 are listed in the table below.

Make and ModelAverage annual rates
2015 GMC Yukon$1,703
2016 GMC Yukon$1,755
2017 GMC Yukon$1,827
2018 GMC Yukon$1,844
2019 GMC Yukon$1,880
2020 GMC Yukon$1,791

Compare GMC Yukon car insurance rates by state

The Sources

  • Safety ratings: IIHS and NHTSA
  • Sierra ratings (7.4/10): Edmunds
  • Acadia (Cheapest and most expensive trim): GMC
  • Canyon (Cheapest and most expensive trim) : GMC
  • Sierra (Cheapest and most expensive trim): GMC
  • Terrain (Cheapest and most expensive trim): GMC
  • Yukon (Cheapest and most expensive trim): GMC