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How much is insurance for a GMC?

As we mentioned earlier, GMC has four core brands of cars but within each of those brands there is quite a variety of vehicles. It makes the question “How much is insurance for a GMC?” a tough one to answer. Your insurance rate can be higher or lower depending on which GMC vehicle you are planning to purchase. Here’s why.

Insurance companies consider a multitude of things when determining the likelihood that an applicant will eventually file a claim for damage to their vehicle. The province you live in, whether you work in town or the city, how long you’ve been driving, your past driving record, your insurance history, vehicle type, model, safety features, safety rating — these are just some of the variables considered.

To give you a sense of how even just one variable can influence the cost of your insurance, consider vehicle type. For example, an entry-level, commuter vehicle like the 2-door Chevrolet Spark will command a lower insurance premium than the Chevrolet Camaro sports car. Why? Sports cars are relatively rare on Canadian roads and the cost to repair them is higher than your average sedan.

Canadian insurance companies also refer to the Claims Loss Experience Automobile Rating system to help them gauge how likely a GMC vehicle will be involved in a claim and what that claim is projected to cost.

Insurance claims on a GMC or any other brand of vehicle are usually the result of one of three things: collisions, injury or theft.

Theft may seem like the less likely cause of a claim but consider this: in Atlantic Canada, the Chevrolet Silverado pickup truck is the most stolen vehicle. Since it is, if you’re a resident of Atlantic Canada and are thinking of purchasing a Silverado you are likely going to pay a little more for your insurance coverage than you would if you bought a different brand of truck. This is a good example of why the average insurance price isn’t a reliable benchmark to base your budget on and why it’s better to get quotes specifically for the GMC vehicle you are considering.

Another thing to keep in mind is that in British Columbia, Saskatchewan and Manitoba car insurance is government-run. Meanwhile, in the Atlantic provinces, Quebec, Ontario and Alberta car insurance is only offered by private companies. Generally, if you are a high-risk driver you will pay more for insurance offered by a private company than you would a government-run plan.

If you’re looking for the best insurance rates for a GMC, start with a quote. LowestRates.ca will help you find an insurance policy for your GMC that meets your needs, for free.

To give you a general sense of the average insurance cost for a GMC, whether you’re buying insurance for the first time or it’s an insurance renewal on your GMC, some estimated premiums are below.

Here are real some GMC car insurance rates offered to recent LowestRates.ca users. 

Estimated Premium

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from May 05, 2021
Customer
Male, 66 years old
Location
ontario
Vehicle
2018 GMC TRUCK/VAN TERRAIN SLE 4DR AWD
Lowest Rate
$942/yr
Average Rate
$1,573/yr
Saved
40.00%
Quote from May 05, 2021
Customer
Male, 17 years old
Location
ontario
Vehicle
2012 GMC TRUCK/VAN SIERRA 1500 SLE EXT CAB 4WD
Lowest Rate
$5,716/yr
Average Rate
$8,401/yr
Saved
32.00%

Your questions about GMC auto insurance rates, answered.

What is the cheapest GMC to insure?

GMC vehicles are some of the cheapest vehicles to insure. Here’s why.

  1. They’re reliable cars.
  2. They’re affordable to repair after an accident (notable examples include the GMC Astro and Safari Wagon, the Blazer and Jimmy S-Series, the Colorado, S10/Sonoma and Silverado).
  3. Their higher than average safety rating because of their larger size and advanced safety features.

As far as which GMC vehicles are the cheapest to insure, it’s entry-level vehicles without custom trim packages.

To find out which ones, conduct an insurance review for your GMC using the LowestRates.ca quote tool.

Used vs. new GMC: which is cheaper to insure?

Want to pay less for your car insurance? Then buying a used GMC vehicle is your best bet. Coverage is less than it would be for a new GMC because the cost to repair or replace parts is usually less for a used vehicle.

If you decide to go the pre-owned car route, make sure you check the vehicle’s history first to see how many times it’s been in an accident as this could potentially have a big impact on the cost of your insurance. You can check this out on the IBC website using their free service, Verify Vin.

Prefer to buy a brand new GMC? Your insurance will cost a little more because with new cars insurers usually recommend that you take comprehensive and collision coverage because the replacement value of your vehicle is high. The same is true if you decide to lease your vehicle.

This may not be the case with a used GMC, because the cost for collision insurance may actually be more than the replacement value of the vehicle. If this is so, then it is not worth paying for collision insurance.

What is the best car insurance for a GMC?

It doesn’t matter whether you’re going to be driving a GMC, Ford, Chrysler, Hyundai, Toyota or any other make of vehicle. There is no single insurance provider that’s best for one particular brand of vehicle. What has the greatest impact on whether or not you qualify for the best rate on your GMC insurance coverage is you, the driver.

So many things about you will influence how a provider determines the level of risk you represent as a driver. For instance, you may be working from home now rather than commuting. You might have moved from the city to the country. You may have had a birthday recently and are now over the age of 40, which is when rates tend to go down versus young drivers, whose insurance for a GMC will be at the highest rates.

As you can see there are many factors that will contribute to how low a rate you’ll qualify for. Plus, every insurance company has their own underwriting standards which can also make a difference in the amount of your monthly insurance premium. It’s for all these reasons that the best thing you can do is some comparison shopping to ensure you’re getting the best rate for the coverage on your GMC vehicle.

How are auto insurance quotes for GMC vehicles calculated?

To determine what the insurance rates for GMC vehicles will be, insurance companies consider many different specifics:

Driver:

  • Age and gender – Young males tend to pay higher car insurance rates.
  • Annual mileage – If you’re using your GMC daily for work, you’ll have a different rate than if you use it occasionally.
  • Primary location – Which city and neighborhood you’re based in
  • Record – Any claims or violations will impact your premiums.

Vehicle:

  • Age – And, associated replacement value.
  • Safety rating – Does the GMC have safety features that make it more crashworthy?
  • Type – Brand and model.

Policy:

  • The amount of insurance you buy – Coverage type, limits and deductibles.
  • Your history – Whether you’re looking for a new policy for your GMC or are renewing your current insurance policy.

As you can see there are many variables that come into play to determine the best rate for insurance coverage on your GMC vehicle. It’s a lot to decipher but it’s not hard to do. Just let the free online tool on LowestRates.ca do the work for you and you’ll be able to compare the insurance costs from more than 75+ Canadian insurance providers in no time.

Is it safe to buy GMC insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.

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