GMC Auto Insurance [2025]: Coverage for Popular Models at Affordable Rates

Before you embark on an adventure in the comfort of your GMC vehicle — whether that's off-roading in your GMC Terrain or hauling a set of kayaks and a pack of dogs in your GMC Canyon — you'll need a car insurance policy. Some car insurance companies offer cheaper premiums and better coverage for GMC vehicles than others.

The best GMC insurance for you depends on your specific vehicle and planned use. Based on my research, State Farm, Nationwide, and GEICO offer some of the lowest monthly premiums for various GMC models. However, you should collect auto insurance quotes based on your demographic information, driving history, and coverage needs before picking a company.

How we evaluate products

To choose the best auto insurance companies for GMC cars, we evaluated about a dozen insurers based on average premium data from Insurance.com and The Zebra. For the companies charging the most affordable rates on average across GMC models, we considered a variety of factors to narrow down our selection, such as financial strength and customer satisfaction ratings, NAIC complaint indices, coverage options, discounts, usage-based programs, digital tools, and other features.

Compare GMC auto insurance quotes

Company name	Best/Excellent for	Range of average monthly premiums
State Farm	Best overall	$110-$128
GEICO	Older GMC vehicles	$136-$165
Nationwide	Usage-based insurance	$130-$154
Progressive	Coverage options	$134-$187
Farmers	Group insurance	$166-$208

State Farm

State Farm offers the lowest average premiums across six popular GMC models, according to Insurance.com data. The company also boasts strong third-party ratings, including the top financial strength grade from AM Best, an above-average claims satisfaction rating from J.D. Power, and above-average J.D. Power ratings for general customer satisfaction in most regions.

State Farm is known to offer great customer service, something I can attest to as a policyholder. You'll get a dedicated insurance agent, access to quick claims and top-notch roadside assistance through the company's award-winning mobile app, and a low-stress repair process through a guaranteed repair network in most states.

State Farm also offers several discount opportunities that will appeal to newer GMC model owners, including vehicle safety, passive restraint, and anti-theft discounts. But the company offers fewer coverage add-ons than its competitors.

Learn more in our State Farm review

GEICO

GEICO charges relatively low premiums for GMC vehicles on average, and the company is particularly cheap for models 10 years or older. For example, data from The Zebra showed that GEICO's average annual full coverage premium for a 2015 GMC Canyon was just $560, cheaper than any other insurer on its list.

GEICO offers a long list of discounts to help you save money on car insurance, including a generous multi-vehicle discount of up to 25%. J.D. Power also rated its DriveEasy usage-based insurance program highly.

Plus, the company offers a highly rated mobile app and live chat support. However, GEICO received a slightly below-average rating for claims satisfaction from J.D. Power.

Learn more in our GEICO review

Nationwide

Based on Insurance.com data, Nationwide charges the second-lowest average premiums for most GMC models after State Farm. The company also offers a safe driving telematics program, which can save you up to 40%, and it is one of the few major insurers that offers pay-per-mile insurance, which can benefit occasional drivers. J.D. Power ranked Nationwide first for its usage-based insurance.

Nationwide stands out for customer satisfaction. Not only did the company rank fourth for claims satisfaction in another J.D. Power study, but it is also BBB-accredited with an A+ rating and has a very low NAIC complaint index, which indicates policyholders are complaining less about Nationwide than other car insurance companies with a similar market share.

Learn more in our Nationwide review

Progressive

Besides offering relatively affordable premiums for GMC vehicles (particularly the GMC Savana), Progressive has a long list of discounts and a wide range of coverage options.

The company offers loan/lease payoff coverage, trip interruption coverage for extra protection during road trips, and rideshare coverage. You may also qualify for Progressive's Vehicle Protection coverage, which helps with non-accident-related repairs to your GMC, and every policy with collision coverage includes pet injury protection.

Progressive Snapshot is the company's usage-based program that helps safe drivers save money, but the program could increase your rates for risky driving. J.D. Power also rated the company below average for claims satisfaction.

Learn more in our Progressive review

Farmers

Farmers is more expensive for GMC cars than its competitors on average, but it offers discounted coverage to employees of some organizations and members of certain associations. If Farmers GroupSelect is an option where you work, you could save on an insurance policy for your GMC vehicle and get access to 24/7 claims and roadside assistance.

Like Progressive, Farmers offers a wide range of optional coverages, including GAP insurance, new car replacement coverage, and original equipment manufacturer coverage. Signal, the company's telematics program, offers a potential discount and rewards for safe driving. However, it may also raise your premium, and J.D. Power rated the program poorly.

While Farmers received an above-average rating from J.D. Power for customer satisfaction in the Southeast, the company fared poorly in most other regions.

Learn more in our Farmers review

What affects GMC auto insurance costs?

Some insurance companies offer cheaper coverage for GMC vehicles than others, but your individual premium will also depend on several other factors, some of which you can't control.

These factors include:

• GMC model and year: The year and model of your car affect your premium due to differences in value and repair costs, safety ratings, and the likelihood of theft. You might also earn a discount for certain safety features or anti-theft devices. The GMC Savana is the cheapest to insure out of the current models.
• Driver demographics: The age, gender, and credit score of the drivers listed on your policy can affect your premiums because these factors impact the likelihood of a claim. For example, teen drivers pay higher premiums because they're more likely to be in an accident than other age groups.
• Location: Car insurance is typically more expensive in urban areas with a lot of traffic and high theft rates. You might also pay more if you park your car on the street rather than in a secure garage.
• Driving history: You'll pay less for car insurance if you have a clean driving record. Insurers charge higher rates to drivers with DUIs, speeding tickets, or at-fault accidents on their records.
• Coverage options: Adding optional coverages and increasing your coverage limits will raise your premium relative to purchasing state minimum liability coverage. That said, it's usually a good idea to buy full coverage, especially if you have a newer car, and choose liability limits sufficient to protect your assets in the event of a lawsuit.
• Deductible: Many car insurance companies allow you to choose your deductible, which is the amount you're responsible for paying out of your pocket when you file a claim. Choosing a high deductible will lower your premium.
• Discounts: Most auto insurance companies offer multiple ways to lower your car insurance premium like multi-policy discounts, student discounts, and safe driver discounts, which can all impact the final cost of a policy.

FAQs

Bottom line

Before choosing a car insurance policy for your GMC car, be sure to compare quotes from a handful of companies. State Farm and Nationwide tend to offer cheaper premiums for six common GMC vehicle models than other insurers. However, the best car insurance company for you will depend on your age, driving record, coverage needs, and other factors.