Insuring a GMC costs about $1,152 a year for a typical model at the US average — below average — cheaper than most brands. The cheapest is the Acadia (~$958/yr), the priciest the Yukon XL (~$1,391/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 8 GMCs that baseline spans $958 to $1,391 a year.
GMC insurance cost by model
Estimated annual premium for every GMC model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 8 of them, from the Acadia up to the Yukon XL.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| Acadia | $958/yr | 67% of avg | Cheap |
| Savana | $961/yr | 67% of avg | Cheap |
| Yukon | $1,104/yr | 77% of avg | Cheap |
| Envoy | $1,136/yr | 79% of avg | Cheap |
| Canyon | $1,152/yr | 80% of avg | Cheap |
| Terrain | $1,316/yr | 92% of avg | Cheap |
| Sierra | $1,359/yr | 95% of avg | Average |
| Yukon XL | $1,391/yr | 97% of avg | Average |
Cheapest GMCs to insure
The GMC models that cost the least to insure at the US average.
Most expensive GMCs to insure
The priciest GMCs to insure — usually the most powerful and costly to repair.
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
- Insurance folded into the 5-year cost to own
- Full breakdown: what each coverage actually costs
- Compare insurance across cars, side by side
- No ads, no tracking — and much more
GMC insurance cost by state — all 50
Where you live moves a GMC premium as much as which model you pick. A typical GMC (index 80) runs about $1,597/yr in Florida but only $742/yr in Maine — a swing of over $855 on the same car.
Estimated annual premium for a typical GMC in every state, priciest first.
| State | Typical GMC / yr | vs US average |
|---|---|---|
| Florida | $1,597/yr | +39% vs US |
| Louisiana | $1,585/yr | +38% vs US |
| New York | $1,519/yr | +32% vs US |
| District of Columbia | $1,456/yr | +26% vs US |
| Georgia | $1,399/yr | +21% vs US |
| Texas | $1,383/yr | +20% vs US |
| Rhode Island | $1,369/yr | +19% vs US |
| New Jersey | $1,356/yr | +18% vs US |
| Colorado | $1,326/yr | +15% vs US |
| Maryland | $1,283/yr | +11% vs US |
| Nevada | $1,282/yr | +11% vs US |
| Michigan | $1,259/yr | +9% vs US |
| Delaware | $1,257/yr | +9% vs US |
| South Carolina | $1,215/yr | +5% vs US |
| Connecticut | $1,208/yr | +5% vs US |
| Arizona | $1,205/yr | +5% vs US |
| California | $1,135/yr | -1% vs US |
| Massachusetts | $1,132/yr | -2% vs US |
| Mississippi | $1,117/yr | -3% vs US |
| Oklahoma | $1,061/yr | -8% vs US |
| Missouri | $1,059/yr | -8% vs US |
| New Mexico | $1,042/yr | -10% vs US |
| Arkansas | $1,039/yr | -10% vs US |
| Utah | $1,029/yr | -11% vs US |
| Pennsylvania | $1,020/yr | -11% vs US |
| Alabama | $1,016/yr | -12% vs US |
| Oregon | $1,016/yr | -12% vs US |
| Alaska | $1,011/yr | -12% vs US |
| Illinois | $1,007/yr | -13% vs US |
| Virginia | $992/yr | -14% vs US |
| Washington | $989/yr | -14% vs US |
| West Virginia | $983/yr | -15% vs US |
| Minnesota | $980/yr | -15% vs US |
| Tennessee | $971/yr | -16% vs US |
| Kentucky | $968/yr | -16% vs US |
| Nebraska | $948/yr | -18% vs US |
| Montana | $948/yr | -18% vs US |
| Kansas | $947/yr | -18% vs US |
| Wyoming | $945/yr | -18% vs US |
| South Dakota | $927/yr | -20% vs US |
| North Carolina | $878/yr | -24% vs US |
| Ohio | $831/yr | -28% vs US |
| New Hampshire | $827/yr | -28% vs US |
| Indiana | $827/yr | -28% vs US |
| Iowa | $809/yr | -30% vs US |
| Wisconsin | $801/yr | -30% vs US |
| Hawaii | $799/yr | -31% vs US |
| Idaho | $786/yr | -32% vs US |
| North Dakota | $770/yr | -33% vs US |
| Vermont | $767/yr | -33% vs US |
| Maine | $742/yr | -36% vs US |
Estimate a specific GMC model in your state →
GMC insurance cost by year
A typical GMC costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical GMC premium by year (US average):
| Year | Typical GMC / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every GMC figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
GMC insurance — frequently asked
Is GMC expensive to insure?
GMC is below average — cheaper than most brands to insure — a typical model runs about $1,152/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $958 to $1,391.
What is the cheapest GMC to insure?
The Acadia is the cheapest GMC to insure in our data — around $958/yr at the national average, about 33% below a typical car.
What is the most expensive GMC to insure?
The Yukon XL is the priciest GMC to insure — roughly $1,391/yr, about -3% above the average car.
How much is insurance on a GMC per month?
A typical GMC costs about $96/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest GMC runs about $80/month, the priciest $116.
How is this GMC estimate calculated?
We combine each GMC model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.