Best Auto Insurance for GMCs in 2025

Erie, Liberty Mutual, and Nationwide 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.

Top 10 Companies: Best Auto Insurance for GMCs

Explore GMC insurance coverage options and savings strategies like bundling, anti-theft devices, and safe driving programs (Read More: Best Auto Insurance for Good Drivers). These strategies can cut costs by up to 35% while improving security.

GMC insurance reviews provide additional guidance on choosing the best provider. Get fast and cheap auto insurance coverage today with our quote comparison tool.

Finding Affordable GMC Car Insurance

How much does GMC insurance cost? That depends on the company you choose. There’s a significant range of GMC insurance quotes across major providers.

Geico and Erie offer the cheapest minimum coverage at $54 and $58 per month, while Liberty Mutual and Allstate are the most expensive.

GMC Insurance Monthly Rates by Coverage Level

State Farm stands as the leading insurer for full coverage at $143 per month, while Erie provides competitive options (Read More: State Farm vs. Progressive Auto Insurance).

A reckless driving history will raise premiums for all drivers, but State Farm remains the cheapest GMC insurance company for high-risk drivers.

GMC Auto Insurance Monthly Rates by Driving Record

GMC insurance prices increase by 15% to 30% when drivers get a speeding ticket, and premiums go up by 20% to 40% after an accident.

A solid driving record is the most effective way to get affordable GMC auto insurance, but comparing multiple companies at once can unlock long-term savings for drivers with accidents or DUIs.

When you compare top companies, Erie vs. Liberty Mutual, Erie is the most affordable for high-risk insurance quotes.

Nationwide is also pricier, but both Liberty Mutual vs. Nationwide offer big discounts that can make rates more competitive for GMC drivers who qualify.

Comparing Auto Insurance Rates for Different GMCs

Looking at GMC insurance rates by model, there is a clear pattern where high-end GMC vehicles cost more to insure because of their higher replacement value and technology.

GMC Canyon car insurance is pricier than average at $147 a month, but not as high as GMC Hummer rates at $285 monthly (Learn More: Auto Insurance Rates by Vehicle).

GMC Auto Insurance Monthly Rates by Model

GMC Yukon car insurance is the cheapest at $76 monthly, costing less than GMC Envoy and GMC Acadia car insurance.

However, GMC Yukon XL car insurance will be slightly higher due to the increased size and performance of the XL line.

GMC insurance reviews also reveal a steady annual decrease in premiums as vehicles age.

So, the average insurance cost for 2018 GMC Sierras will be much lower than a 2025 or 2026 model.

Popular Insurance Coverage for GMCs

When shopping for GMC coverage, understanding available features can significantly impact your protection level and potential savings.

Here are the basic insurance coverage options GMC owners should consider:

• Liability Insurance: Covers damages and injuries you cause to others in an accident. This coverage is legally required in most states and protects your assets from lawsuits.
• Collision & Comprehensive: Pays for repairs to your GMC after accidents with other vehicles or objects like trees and poles, theft, vandalism, fire, floods, hail, and animal strikes.
• Gap Coverage: Covers the remaining amount on an auto loan or lease if your GMC is totaled in a covered claim before you finish paying it off.
• Roadside Assistance: Covers emergency services like towing, jump-starts, lockout help, flat tire changes, and emergency fuel delivery when you’re stranded.
• Rental Reimbursement: Pays for a temporary replacement vehicle while your GMC is being repaired after a covered claim.

While all major providers offer essential roadside assistance and rental reimbursement, only Allstate, American Family, Farmers, Nationwide, and Travelers provide comprehensive coverage across all five categories.

If you compare American Family vs. Geico, Geico doesn’t offer gap insurance, which can result in a financial loss if your GMC is totaled.

GMC Auto Insurance Coverage Options by Provider

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.

Liberty Mutual has the best auto insurance for new GMCs, offering new car and better car replacement add-ons that will replace a totaled GMC with the same model or a slightly newer one.

Saving Money on GMC Car Insurance

To find the right insurance for your GMC, focus on providers who offer coverage and discounts that align with your specific situation rather than simply comparing base premiums.

Consider your GMC’s model and year, as newer vehicles tend to have higher premiums, especially new GMC Sierra insurance. Opting for a basic trim for your truck can reduce premiums.

Understanding these factors helps you avoid one of the most common ways you’re wasting money on your car through unnecessarily high insurance payments.

Liberty Mutual offers the most generous anti-theft discount for GMC. At the same time, bundling consistently delivers substantial savings across most providers.

When you compare American Family vs. Erie, Geico, and Liberty Mutual, all offer 25% multi-policy discounts.

GMC Auto Insurance Discounts From Top Providers

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.

Top 10 GMC Auto Insurance Providers

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.

#1 – Erie: Top Pick Overall

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.

#2 – 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.

#3 – 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.

#4 – State Farm: Best for Customer Satisfaction

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.

#5 – 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).

#6 – 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.

#7 – 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.

#8 – 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.

#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.

#10 – 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 rank lowest among major providers nationally.
• Confusing Coverage Terms: Many GMC truck owners report difficulties understanding coverage exclusions for towing capabilities and payload capacities.