GMC Sierra 1500 Insurance in Washington
Rates from $41 – $69/mo minimum coverage, $147 – $245/mo full coverage. Compare top WA carriers below.
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Updated June 2026 · Source: Washington DOI + IQ rate model
Average monthly premium — 2024 GMC Sierra 1500, Washington
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for GMC Sierra 1500 drivers in Washington
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why GMC Sierra 1500 insurance costs what it does in Washington
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~8%. Factory immobilizer + tracking discounts available.
High parts and labor costs raise collision premiums materially.
Washington requires 25/50/10 liability minimums. Credit-based scoring was temporarily banned by emergency rule in 2021-2022 but reinstated in 2023. Seattle premiums are ~25% above the state average; Eastern Washington is much cheaper.
Frequently asked questions
01How much is GMC Sierra 1500 insurance in Washington?
Washington drivers of a 2024 GMC Sierra 1500 pay about $147 – $245 per month for full coverage, or roughly $41 – $69 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Sierra 1500?
Yes. If your Sierra 1500 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Washington law itself only requires the state liability minimums (25/50/10), but the lender's contract overrides that.
03What's the cheapest carrier for a Sierra 1500 in Washington?
Cheapest varies by driver profile, but in Washington the major carriers most often quoting the lowest premiums for a Sierra 1500 are GEICO, Progressive, and State Farm. Regional carriers (PEMCO and Mutual of Enumclaw) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the Sierra 1500 in Washington?
Slightly. Trucks like the Sierra 1500 typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. Washington's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Washington require SR-22 after a DUI for a Sierra 1500?
After a DUI, Washington requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Sierra 1500 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.