How much is insurance on a GMC Sierra?

Priced for the 2024 Sierra 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Sierra's rank is the same in every state.

Why the GMC Sierra costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 3 versions (GMC Sierra 1500, GMC Sierra 1500 crew cab and GMC Sierra 1500 ext. cab). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 87 for crash repairs, 109 for non-crash damage, 120 for damage to others' property, and 117 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage13% better than averagebest of the 5 large pickups we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage9% worse than averageworst of the 5 large pickups we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage20% worse than average3rd best of the 5 large pickups we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 17% more often than average2nd best of the 5 large pickups we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Sierra comes out about 7% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 3% less than average: about $920 a year vs $950. On the liability side, damage to others and injury claims combine to about 18% worse than average. We count about half, so that part is about 9% more: $1,080 a year vs $990.

How the math works

In EPA size classes, the Sierra is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the GMC Sierra is benchmarked against large pickups.

Matched to HLDI series “GMC Sierra 1500; GMC Sierra 1500 crew cab; GMC Sierra 1500 ext. cab” (HLDI, 2022–24 models).

A used GMC Sierra, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Sierra 2WD (0–3 years old)	about $2,010	about $1,080	+$1,330	about $5,760
2022 Sierra 2WD (4–7 years old)	about $1,900	about $1,080	+$1,250	about $5,440
2018 Sierra C15 2WD (8–12 years old)	about $1,570	about $870	+$1,030	about $4,500
2013 Sierra C15 2WD (13 or more years old)	about $1,560	about $980	+$1,030	about $4,470

Our catalog covers the GMC Sierra across model years 2006–2026. Full coverage on a used 2013 Sierra (13 or more years old) runs about $1,560 a year, $450 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $980 a year. Each photo shows that year's generation of the car. Photo credits.

All 4 versions of the 2024 GMC Sierra in our catalog (Sierra 4WD, Sierra 4WD AT4X, Sierra Mud Terrain Tires 4WD and Sierra 2WD) price within about $50 a year of each other.

On a policy of their own with a 2024 GMC Sierra, a 22–25-year-old pays about $2,610 a year ($600 more than a 45-year-old), a 26–39-year-old about $2,230, and a driver 65 and older about $2,110.

Adding a 16-year-old with a GMC Sierra

Adding a new 16-year-old who drives the GMC Sierra raises the family bill by about $1,330 a year ($110 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,760 a year, so keeping them on the family policy saves about $4,440 a year.

For adding a teen driver, the GMC Sierra ranks 46th most expensive out of all 121 models we track. Stepping down to a used 2013 Sierra (13 or more years old) brings the teen add-on to about $1,030 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar large pickups

Among these 5 large pickups, the GMC Sierra is the 3rd most expensive to insure. Right next to it are the Ford F-150 (about $1,990 a year) and the Chevrolet Silverado (about $2,130).

• 2024 Toyota Tundraabout $1,920 ($90 less)
• 2024 Ford F-150about $1,990 (about the same)
• 2024 GMC Sierraabout $2,010 (this car)
• 2024 Chevrolet Silveradoabout $2,130 ($120 more)
• 2024 Ram 1500about $2,180 ($170 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a GMC Sierra costs in your state

In six sample states, a 2024 GMC Sierra runs from about $1,390 a year in Hawaii through North Carolina, West Virginia, Arkansas and Nevada to about $2,410 in Texas:

• Hawaiiabout $1,390/yr · +$920 teen
• North Carolinaabout $1,530/yr · +$1,010 teen
• West Virginiaabout $1,710/yr · +$1,130 teen
• Arkansasabout $1,810/yr · +$1,190 teen
• Nevadaabout $2,230/yr · +$1,470 teen
• Texasabout $2,410/yr · +$1,590 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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