Cheap GMC Car Insurance in 2026 (Cash Savings With These 10 Companies)

The top options for cheap GMC car insurance are Geico, Progressive, and State Farm, offering starting rates at $85 per month.

Geico offers the most affordable plans with reliable coverage, while Progressive excels with online tools for cheap GMC insurance rates. State Farm is known for its dependable service.

Our Top 10 Company Picks: Cheap GMC Car Insurance

How much insurance coverage do I need for a GMC? This article details GMC car insurance policies and the companies that have the cheapest rates. Compare these top providers to find cost-effective coverage to fit your needs.

Your car insurance rates will likely increase after an at-fault accident, but you can still find your cheapest GMC insurance option by using our free quote comparison tool above.

#1 – Geico: Top Overall Pick

Pros

• Cost-Effective Rates: Geico offers some of the most competitive monthly GMC insurance rates, starting at $85. Compare policy prices in our Geico auto insurance review.
• Discounts for Safe Drivers: Geico provides considerable discounts for drivers with a clean driving record, making it an attractive choice for GMC owners looking to save money.
• Flexible Payment Options: The company provides flexible payment plans, allowing GMC owners to manage their insurance payments more conveniently.

Cons

• Limited Agent Availability: Geico has fewer local agents, which may be a disadvantage for GMC owners who prefer face-to-face interactions.
• Inconsistent Customer Support: Some GMC owners may find Geico’s customer service experience to be variable in quality.

#2 – Progressive: Best for Online Tools

Pros

• Advanced Online Resources: Progressive’s online tools, such as the Name Your Price tool, make it easier to customize GMC car insurance to fit your budget.
• Usage-Based Discounts: The Snapshot program discounts GMC auto insurance based on driving habits, promoting safe driving.
• Affordable Premiums: With a monthly rate of $89 for minimum coverage, Progressive is an affordable choice for GMC drivers. Compare quotes in our Progressive Insurance review.

Cons

• Higher Rates for Some Drivers: GMC drivers with higher-risk profiles may face slightly elevated rates compared to other insurers.
• Mixed Reviews on Claims Processing: Some GMC policyholders have reported delays or issues with Progressive’s claims process.

#3 – State Farm: Cheapest Nationwide Coverage

Pros

• Wide Range of Coverage: Read our State Farm review for extensive coverage choices available in 48 states designed to meet the unique needs of GMC vehicle owners.
• Reasonable Rates: Priced at $90 per month for minimum coverage, State Farm provides affordable car insurance for GMCs.
• Discounts for Bundling Policies: Significant savings are available on GMC auto insurance when you bundle multiple policies.

Cons

• Poor Financial Ratings: With a lower rating from A.M. Best, State Farm is less financially stable than other GMC car insurance companies.
• Potentially Higher Costs for New Drivers: Even with discounts, younger or new GMC drivers might find State Farm’s premiums higher than expected.

#4 – The General: Cheapest for High-Risk Drivers

Pros

• Expert in High-Risk Coverage: The General specializes in providing the best car insurance for high-risk drivers with GMCs.
• Affordable Rates for High-Risk Drivers: With rates starting at $91 per month for minimum coverage, it’s a cost-effective solution for high-risk GMC owners.
• Quick Quote Process: The General offers a streamlined online quoting system, allowing GMC drivers to get insured quickly.

Cons

• Fewer Coverage Options: The General has a limited range of coverage options, which may not meet the needs of all GMC drivers.
• Higher Premiums for Comprehensive Coverage: GMC insurance costs can rise significantly for drivers seeking comprehensive insurance plans.

#5 – American Family: Cheapest Family Policies

Pros

• Family-Friendly Discounts: AmFam offers discounts tailored for families, ideal for GMC owners with multiple drivers or younger drivers in the household.
• Competitive Rates: With rates starting at $93 per month, American Family provides good value on GMC car insurance.
• Strong Customer Support: The company is known for its excellent GMC insurance customer service, especially when filing car insurance claims with American Family.

Cons

• Limited Availability: American Family GMC car insurance coverage is not offered in all states.
• Higher Rates Without Discounts: Drivers who do not qualify for GMC insurance discounts may find AmFam rates slightly above average.

#6 – Kemper: Cheapest for Low-Mileage Drivers

Pros

• Discounts for Low Mileage: Kemper offers significant savings for GMC owners who drive fewer miles annually.
• Competitive Rates: With a starting rate of $94 per month for minimum coverage, Kemper remains an affordable choice for GMC auto insurance.
• Specialized Coverage Options: Does Kemper Corporation offer umbrella insurance coverage? Yes, Kemper offers unique GMC car insurance options for comprehensive coverage.

Cons

• Limited Digital Resources: Kemper lacks some of the more advanced online tools available from other insurers, which may be less appealing to tech-savvy GMC drivers.
• Higher Rates for High-Mileage Drivers: Those who drive frequently might find that GMC car insurance rates are not as competitive with Kemper.

#7 – Travelers: Best for Industry Experience

Pros

• Extensive Coverage Options: Travelers offers a variety of coverage choices that cater to the diverse needs of GMC owners.
• Discounts for Safety Features: The company provides insurance discounts for GMC vehicles equipped with advanced safety technologies.
• Affordable Monthly Costs: At $96 per month for minimum coverage, Travelers GMC car insurance is a budget-friendly option. Learn how to pay Travelers insurance premiums.

Cons

• Variable Customer Service: Customer service experiences can differ, which may impact GMC owners who require quick assistance.
• Higher Deductibles Required: Some GMC auto insurance policies may come with higher deductibles.

#8 – Nationwide: Cheapest Customized Plans

Pros

• Customizable Coverage Plans: Wondering does Nationwide offers rental reimbursement coverage? It allows drivers to tailor their GMC insurance policies to fit their unique needs.
• Loyalty Discounts: Nationwide offers discounts for long-term policyholders, which can benefit GMC owners who stay with the company.
• Reasonably Priced: At $97 per month for basic coverage, Nationwide GMC car insurance is cheap for those who want customized comprehensive coverage.

Cons

• Limited Discount Opportunities: Some GMC drivers may find that discounts are not as widely available or applicable in some states.
• Slower Claims Processing: The claims process may be slower compared to other insurers, which could frustrate some GMC owners.

#9 – Liberty Mutual: Cheapest Flexible Options

Pros

• Variety of Coverage Choices: Liberty Mutual provides numerous customizable coverage options for GMC vehicles. Check out more in our Liberty Mutual insurance review.
• New Car Replacement Coverage: Liberty Mutual new car replacement for GMC insurance replaces your vehicle with a new one if it’s totaled in an accident or claim.
• Affordable Pricing: With rates starting at $98 per month for minimum coverage, Liberty Mutual is a competitive option for GMC drivers.

Cons

• Higher Rates Without Discounts: GMC drivers who do not qualify for specific discounts may find the premiums less competitive.
• Limited In-Person Support: Fewer local agents may mean less face-to-face assistance with GMC insurance policy questions.

#10 – Allstate: Best Customer Service

Pros

• Superior Customer Service: Allstate is renowned for its top-tier customer support and GMC insurance claims service. Learn more in our Allstate review.
• Accident Forgiveness Feature: Allstate offers accident forgiveness for GMC drivers with a clean record, preventing rate increases after the first accident.
• Competitive Pricing: With a rate of $99 per month for minimum coverage, Allstate provides solid insurance options paired with excellent service.

Cons

• Higher Premiums for Younger Drivers: Younger GMC drivers may face steeper rates with Allstate, even with available discounts.
• Complex Discount Qualifications: Some drivers may find the process of qualifying for GMC insurance discounts more challenging.

Comparing Monthly GMC Car Insurance Costs

How much does GMC Sierra car insurance cost? When looking for cheap GMC auto insurance, understanding how different providers price their policies is essential.

GMC Car Insurance Monthly Rates by Provider & Coverage Level

Geico offers the most affordable rates for both minimum and full coverage auto insurance, with prices starting at $85 per month for minimum coverage and $140 for full coverage. Progressive follows closely behind, providing competitive rates at $89 per month for minimum coverage and $145 for full coverage.

Kemper and The General offer full coverage plans that range from $150 to $155 per month. These prices are higher but still affordable for drivers who may have accidents or DUIs on their records.

Since driving history has the biggest impact on GMC auto insurance rates, high-risk drivers need to compare rates from multiple companies to get the best price.

Read More: How long do violations stay on a driving record?

Insurance discounts, such as bundling policies or safe driver rewards, are the easiest way to save money on GMC car insurance.

GMC Car Insurance Discounts by Provider

Luxury GMC models may also benefit from low-mileage discounts or multi-car savings, which can significantly lower premiums.