Best Auto Insurance for GMCs in 2025 (Top 10 Companies Ranked)
You can get the best auto insurance for GMCs through State Farm, Geico, and Progressive for as low as $54 a month. State Farm offers A++ claim reliability, Geico gives 25% bundling discounts, and Progressive’s OnStar partnership helps GMC owners save up to 30% with Snapshot. Compare insurers for the best rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Apr 29, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 29, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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18,154 reviewsCompany Facts
Full Coverage for GMCs
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage for GMCs
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage for GMCs
A.M. Best
Complaint Level
Pros & Cons
13,283 reviewsState Farm, Geico, and Progressive offer the best auto insurance for GMCs, with coverage rates starting at $54 a month.
Finding the right GMC auto insurance means choosing providers that deliver a strong balance of coverage, affordability, and vehicle-specific discounts designed to enhance protection for these high-value trucks and SUVs.
Our Top 10 Company Picks: Best Auto Insurance for GMCs| Company | Rank | Anti-Theft Discount | Safety Features Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 20% | Customer Satisfaction | State Farm |
 | #2 | 25% | 15% | Low Rates | Geico |
 | #3 | 25% | 10% | Custom Plans | Progressive |
 | #4 | 10% | 20% | New Drivers | Allstate |
 | #5 | 5% | 18% | Trucks & SUVs | Nationwide |
 | #6 | 35% | 12% | OEM Coverage | Liberty Mutual |
 | #7 | 15% | 13% | Fleet Coverage | Travelers |
 | #8 | 25% | 18% | Loyalty Rewards | American Family |
 | #9 | 10% | 15% | Safe Drivers | Farmers |
 | #10 | 15% | 10% | Personal Agents | Erie |
Explore GMC insurance coverage options and savings strategies like bundling, anti-theft devices, and safe driving programs. These strategies can cut costs by up to 35% while improving security. (Read More: Best Auto Insurance for Good Drivers).
- State Farm has the best customer satisfaction for GMC insurance
- Geico has the cheapest auto insurance for GMCs at $54 monthly
- A single accident raises GMC insurance rates by 20%–40%
This GMC insurance reviews provide additional guidance on choosing the best provider. Get fast and cheap auto insurance coverage today with our quote comparison tool.
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#1 – State Farm: Top Overall Pick
Pros
- Industry-Leading Satisfaction: Customer satisfaction surveys show that GMC drivers file significantly fewer complaints about claim denials than industry averages.
- Superior Financial Stability: With the A++ rating, GMC policyholders can expect timely settlements of their claims countrywide.
- Cheapest Full Coverage: Full coverage car insurance for GMCs starts at only $143 monthly. Compare quotes in our State Farm auto insurance review.
Cons
- Moderate Bundling Incentives: The maximum 17% discount when bundling policies offers GMC owners less savings than most competing providers.
- Limited Digital Innovation: The mobile app lacks advanced features specifically designed for GMC vehicle diagnostics that competitors have recently implemented.
#2 – Geico: Best for Low Rates
Pros
- Budget-Friendly Minimum Plans: Budget-conscious drivers can insure their GMC vehicles for only $54 monthly with basic liability protection plans (Read More: Everything You Need To Know About Geico).
- Generous Multi-Policy Discounts: Combining home insurance with GMC auto coverage provides an impressive 25% reduction on total premium payments annually.
- Rock-Solid Financial Strength: Geico’s A++ rating ensures GMC owners consistently receive reliable claim payments.
Cons
- Fewer Choices for Customization: It is difficult for modified GMC truck owners to get coverage for aftermarket parts and specialty upgrades.
- Varied Customer Service: GMC insurance customer satisfaction varies depending on which state you live in.
#3 – Progressive: Best for Usage-Based Plans
Pros
- Usage-Based Discounts: GMC drivers who sign up for Progressive Snapshot save over $200 a year on insurance rates. Here’s everything you need to know about Progressive Insurance.
- Budget Protection Packages: The Name Your Price tool of Progressive helps GMC customers acquire insurance coverage that perfectly suits their exact budget requirements.
- Streamlined Claims Technology: The mobile claims system enables GMC drivers to submit accident photos directly for faster repair authorizations.
Cons
- Minimal Multi-Policy Savings: The 10% savings when combining GMC auto policies with homeowners insurance ranks lowest among major providers nationally.
- Confusing Coverage Terms: Many GMC truck owners report difficulties understanding coverage exclusions for towing capabilities and payload capacities.
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#4 – Allstate: Best for New Drivers
Pros
- Comprehensive Learning Center: New GMC drivers learn about coverage needs through interactive online resources, as mentioned in our Allstate auto insurance review.
- Beginner-Friendly Protection: Specially designed coverage options protect inexperienced GMC drivers through educational materials and monitoring technology systems.
- Maximized Bundle Incentives: Families who insure their GMC vehicles along with home insurance can receive up to 25% discounts on their insurance prices.
Cons
- Tight Requirements: The requirements for some discounts prevent some GMC drivers from obtaining maximum savings opportunities.
- Premium Rates: The $178 monthly rate for full coverage is much higher than rates from other GMC car insurance companies on this list.
#5 – Nationwide: Best for GMC Trucks & SUVs
Pros
- Model-Tailored Protection: Specialized protection packages offer comprehensive coverage options tailored to the unique features of the GMC Terrain and Acadia models.
- Progressive Deductible Reduction: Safe driving reduces out-of-pocket expenses for GMC owners by $100 annually, up to $500 in total savings.
- Transparent Claims Platform: Our Nationwide insurance review explains its transparent digital claim tracking throughout the repair process.
Cons
- Location-Based Disparities: Coverage and discount limitations in certain states may affect GMC insurance rates differently.
- Less Competitive Rates: It’s not the most expensive, but Nationwide insurance rates for GMCs are higher than State Farm, Progressive, and Geico.
#6 – Liberty Mutual: Best for OEM Coverage
Pros
- Manufacturer Parts Guarantee: Specialized coverage guarantees original manufacturer parts for GMC vehicles during repairs following covered accident claims.
- Exceptional Bundling Discounts: Liberty Mutual insurance review confirms GMC owners save 25% when combining policies with homeowners coverage plans.
- First-Accident Protection: First-time collision claims will not increase GMC insurance rates for safe drivers who have avoided claims in the past.
Cons
- High-Tier Prices: GMC owners face the highest insurance prices at $185 monthly for full coverage.
- In-depth Application Requirements: GMC drivers must submit their vehicle specifications and driving history information as part of the application process.
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#7 – Travelers: Best for Fleet Coverage
Pros
- Fleet Coverage: Travelers offers specialized coverage for drivers who use multiple GMC vehicles for their businesses.
- Record Protection: GMC owners who remain claim-free for three years will have their driving record points disregarded when calculating their rates.
- Safe Driver Incentives: The Travelers auto insurance review shows big discounts for GMC drivers with clean records for extended periods.
Cons
- Underdeveloped Mobile App: The mobile app lacks real-time claim tracking capabilities, and GMC owners frequently request improved service transparency.
- Inflexible Commercial Payments: Flexible payment plans remain unavailable for GMC commercial vehicles compared to personal auto insurance payment schedules.
#8 – American Family: Best for Loyalty Rewards
Pros
- Long-Term Customer Rewards: Premium reductions automatically increase every year when GMC owners maintain continuous coverage with AmFam.
- Young Driver Advantages: Young GMC drivers receive specialized rate adjustments after completing approved defensive driving courses through certified programs.
- Deductible Reduction: GMC owners can reduce deductibles by $100 a year for accident-free driving.
Cons
- Limited Geographic Availability: Its customized GMC commercial vehicle coverage is not available in 15 states due to underwriting guidelines.
- Tough Claim Process: Accident claims require GMC owners to submit more vehicle repair documentation than the industry standard (Read More: American Family Insurance vs. Travelers).
#9 – Farmers: Best for Safe Drivers
Pros
- Tiered Safe Driver Program: Accident-free periods of three years qualify GMC owners for bigger discount tiers with substantial savings benefits.
- Heavy-Duty Truck Expertise: Protection packages for GMC Sierra heavy-duty trucks address specific vulnerabilities using detailed vehicle data, including factors like gmc sierra 1500 insurance cost, ensuring tailored coverage.
- Senior Driver Advantages: Farmers offers premium reductions for GMC drivers over 50 with clean records. (Read More: Everything You Need to Know About Farmers Insurance).
Cons
- Elevated Coverage Costs: Monthly costs for full coverage start at $172, placing Farmers among the more expensive GMC insurance providers.
- Weak New Purchase Benefits: Replacement coverage for brand-new GMC vehicles lacks competitive terms compared to similar offerings from Liberty Mutual.
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#10 – Erie: Best for Personalized Care
Pros
- Personal Agent: All GMC owners get specialized care through a personal, local agent (Read More: Erie Auto Insurance vs. MetLife).
- Low Prices: Full coverage on a GMC is $145 a month, which is below the market rate.
- Price Lock: Erie’s Rate Lock system keeps rates the same on qualified GMC vehicles until you switch vehicles or move.
Cons
- Limited Geographic Coverage: GMC auto insurance with Erie is only available in 12 states due to regional operations.
- Old Tools: GMC owners don’t have the same electronic claim submission option with Erie as the larger companies do.
Compare GMC Auto Insurance Quotes
If you’re wondering, “How much does GMC insurance cost?” there’s a significant range in GMC insurance quotes across major providers. Geico offers the cheapest minimum coverage at $54 per month, while Liberty Mutual and Allstate are the most expensive.
GMC Insurance Monthly Rates by Coverage Level| Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $72 | $178 |
| $64 | $162 |
| $58 | $145 |
| $69 | $172 |
| $54 | $148 |
| $76 | $185 |
| $62 | $157 |
| $59 | $151 |
| $57 | $143 |
| $60 | $149 |
State Farm stands as the leading insurer for full coverage at $143 per month, while Erie provides competitive options in both coverage levels. Compare all car insurance companies at once to uncover the best long-term savings.
A flooded vehicle can mean extensive damage and costly repairs. If your car was partially submerged in floodwater, follow our checklist for assessing flood damage. #HurricaneIdalia https://t.co/ASHukkt2H7 pic.twitter.com/RVHQBmvbkZ
— State Farm (@StateFarm) September 2, 2023
Driving history exerts a dramatic influence on premium costs across all popular GMC models, but State Farm remains the cheapest GMC insurance company for high-risk drivers.
Full Coverage Insurance for GMCs: Monthly Rates by Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $228 | $268 | $321 | $385 |
| $166 | $194 | $251 | $276 |
| $83 | $100 | $118 | $153 |
| $198 | $247 | $282 | $275 |
| $114 | $151 | $189 | $309 |
| $248 | $302 | $335 | $447 |
| $164 | $196 | $230 | $338 |
| $150 | $199 | $265 | $200 |
| $123 | $137 | $146 | $160 |
| $141 | $192 | $199 | $294 |
Premiums increase by 15% to 30% when drivers purchase a single ticket, and GMC insurance prices rise from 20% to 40% after an accident. A solid driving record stands as the most effective measure to obtain affordable GMC auto insurance.
DUI convictions cause the most severe penalties, often doubling base premiums with some carriers.
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Looking at GMC insurance rates by model year, there is a clear pattern where high end GMC vehicles cost more to insure because of their higher replacement value and technology.
GMC Auto Insurance Monthly Rates by Model| Vehicle Model | Minimum Coverage | Full Coverage |
|---|---|---|
| GMC Acadia | $80 | $144 |
| GMC Canyon | $127 | $211 |
| GMC Envoy | $78 | $129 |
| GMC Hummer EV | $285 | $550 |
| GMC Jimmy | $25 | $41 |
| GMC Savana | $147 | $179 |
| GMC Sierra 1500 | $89 | $210 |
| GMC Sierra 2500HD | $64 | $64 |
| GMC Terrain | $82 | $143 |
| GMC Yukon | $76 | $137 |
The data reveal a steady annual decrease in rates as vehicles age. Understanding these factors helps you avoid one of the most common ways you’re wasting money on your car — through unnecessarily high insurance payments.
Insurance Coverages That GMC Owners Should Consider
When shopping for GMC coverage, understanding available features can significantly impact your protection level and potential savings. Basic coverages like liability, collision, and comprehensive insurance form the foundation of most policies, covering accident damages, non-collision events like theft or weather, and injury claims.
GMC Auto Insurance Coverage Options by Provider| Company | Roadside Assistance | Gap Insurance | Rideshare Insurance | New Car Replacement | Rental Reimbursement |
|---|---|---|---|---|---|
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ❌ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ❌ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ❌ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
While all major providers offer essential roadside assistance and rental reimbursement, roadside help covers towing, and rental reimbursement pays for a temporary car after a claim. Only Allstate, American Family, Farmers, Nationwide, and Travelers provide comprehensive coverage across all five categories. If you drive for Uber or Lyft, rideshare coverage is crucial, but Erie and Liberty Mutual do not offer this option.
The best time to buy a new car or truck is when you’re also looking for insurance that covers new car replacement — something you won’t find with Geico, Progressive, or State Farm. Geico also doesn’t offer gap insurance, which can result in a financial loss if your GMC is totaled.
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GMC Insurance Discounts and Bundling Tips
Liberty Mutual offers the most generous anti-theft discount for GMC. At the same time, bundling consistently delivers substantial savings across most providers, with American Family, Erie, Geico, and Liberty Mutual all offering 25% reductions.
GMC Auto Insurance Discounts From Top Providers| Company | Anti-Theft | Bundling | Loyalty | New Car | Safe Driver |
|---|---|---|---|---|---|
| 10% | 25% | 15% | 10% | 18% |
| 25% | 25% | 18% | 15% | 18% |
| 15% | 25% | 10% | 12% | 15% |
| 10% | 20% | 12% | 12% | 20% |
| 25% | 25% | 10% | 10% | 15% |
| 35% | 25% | 10% | 8% | 20% |
| 5% | 20% | 8% | 15% | 12% |
| 25% | 10% | 13% | 10% | 10% |
| 15% | 17% | 6% | 15% | 20% |
| 15% | 13% | 9% | 8% | 17% |
For long-term customers, American Family rewards loyalty most generously at 18%. One of the best hacks to save more money on car insurance is combining multiple discounts. Pairing a strong bundling discount with either anti-theft protection or safe driver programs often yields optimal savings.
To find the right insurance for your GMC, focus on providers whose discount strengths align with your specific situation rather than simply comparing base premiums.
Best GMC Auto Insurance Options for Your Budget
The best auto insurance for GMCS is with State Farm, with superior financial stability (A++ rating) and the lowest $143 monthly full coverage rate.
Geico offers budget-friendly $54 monthly minimum coverage with 25% bundling discounts, and Progressive saves GMC drivers money with its unique Name Your Price and Snapshot tools.
The best tips for paying less for car insurance include keeping a clean driving record, bundling policies, and using anti-theft devices for up to 35% savings. Reviewing coverage as your GMC ages will also help you save money. Find your cheapest GMC insurance quotes by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
Is GMC expensive to insure?
GMC vehicles cost between $5 and $185 monthly to insure, with premium models like Denali commanding higher rates. State Farm offers the best full coverage value at $143 monthly, while Geico provides the cheapest minimum coverage at $54.
Read More: State Farm vs. Geico, Progressive, Allstate, & Farmers Insurance
Are GMC cars expensive to maintain?
GMC maintenance costs are moderate compared to other American trucks, which helps keep insurance rates reasonable since lower maintenance needs often mean fewer costly claims.
Is GMC a good or bad car for insurance?
GMC vehicles are a solid choice for insurance. Their strong reliability and lower risk of mechanical issues help keep claim rates down, although premiums are slightly higher due to their premium features.
What year GMC is best?
The 2018-2020 GMC models offer the best value proposition for insurance costs, with rates around $145-$150 monthly. These model years balance modern safety features with depreciation benefits that reduce premium costs compared to newer vehicles.
How much is insurance for a GMC truck?
GMC truck insurance averages $143-$172 monthly for full coverage, with Sierra models typically costing more than Canyon trucks. Rates vary significantly by driving record, with accidents increasing premiums by 20-40%. Car insurance discounts you can’t miss can help you lower rates.
At what point should you drop full coverage on your GMC?
Consider dropping full coverage when your GMC’s value falls below 10 times your annual premium, typically around 8-10 years old. However, it’s usually bad to cancel car insurance coverage entirely on vehicles you still drive.
Is GMC more expensive to insure than Chevy?
Yes, GMC vehicles usually cost more to insure than Chevy models due to their premium materials and features, which can raise repair costs and lead to higher insurance premiums.
Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
Who is the most trusted insurance company for GMCs?
State Farm ranks as the most trusted insurer for GMCs with its A++ financial strength rating and high customer satisfaction scores. Its industry-leading claim settlement process particularly benefits GMC owners.
Is car insurance cheaper with a cheaper GMC car?
Yes, entry-level GMC models cost less to insure than premium trims like Denali. The cheapest car insurance options are available for older, base-model GMC Terrain and Canyon vehicles with fewer luxury features and lower replacement costs.
What is the most common problem with GMC auto insurance?
The most common challenge is finding coverage for aftermarket modifications on customized GMC trucks. Many providers restrict coverage for specialty parts, with Liberty Mutual and Progressive offering the most flexibility for modified vehicles. Learn what to do if you’re denied insurance coverage.
Enter your zip code below to view companies that have cheap insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.