Finding cheaper coverage for a GMC Sierra is dependent upon many rating factors such as how many miles you drive each year, your address, and physical damage deductibles. Drivers will pay on average $583 each year for Sierra insurance, but that price is an estimate based on a 50-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
Most likely you are not 50 years old and maybe not even female, possibly single instead of married, or maybe you rent instead of own your home. Car insurance coverage is unique to each driver, so this is why the way we recommend to find cheap car insurance rates for your GMC is to compare as many rates as possible.
The trim level of your vehicle tends to impact the cost of coverage, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD model will be $84 lower than the insurance cost for the fancier Sierra Denali Crew Cab 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$92||$170||$234||$14||$70||$580||$48|
|Sierra SL Extended Cab 2WD||$92||$170||$234||$14||$70||$580||$48|
|Sierra SLE Crew Cab 2WD||$92||$170||$234||$14||$70||$580||$48|
|Sierra SL Crew Cab 2WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLE Crew Cab 2WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLE Regular Cab 4WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLE Extended Cab 4WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLE Crew Cab 4WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLT Extended Cab 2WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SL Crew Cab 4WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLT Extended Cab 4WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLT Crew Cab 2WD||$104||$200||$234||$14||$70||$622||$52|
|Sierra SLT Crew Cab 4WD||$116||$230||$234||$14||$70||$664||$55|
|Sierra Denali Crew Cab 2WD||$116||$230||$234||$14||$70||$664||$55|
|Sierra Denali Crew Cab 4WD||$116||$230||$234||$14||$70||$664||$55|
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can modify insurance rates considerably.
Ratings for North Carolina auto insurance companies
Insuring your vehicle with the top company is difficult considering how many companies are available to choose from in North Carolina. The ranking information in the next section can help you analyze which auto insurers to look at when shopping car insurance rates for a GMC Sierra. The rankings below only include companies that write coverage in many states, so companies without a large exposure will not be included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The chart below shows how choosing a deductible can impact annual premium costs when getting quotes for cheap insurance for a GMC Sierra. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could save $244 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $368 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices up to $808 annually just by choosing higher deductibles when buying full coverage. When raising deductibles, it will be necessary to have plenty of discretionary funds to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Types of discounts on Charlotte auto insurance
Insurance providers that provide coverage for a GMC Sierra may have discounts that could potentially reduce rates by as much as 35% if you qualify for them. A few popular companies and their offered discounts are detailed below.
- State Farm may include discounts for good student, multiple policy, safe vehicle, driver’s education, and Steer Clear safe driver discount.
- American Family includes discounts for bundled insurance, defensive driver, multi-vehicle, accident-free, and Steer into Savings.
- GEICO has discounts for anti-theft, multi-vehicle, emergency military deployment, military active duty, seat belt use, multi-policy, and air bags.
- 21st Century offers premium reductions for driver training, teen driver, 55 and older, theft prevention, air bags, anti-lock brakes, and homeowners.
- Progressive offers discounts including multi-vehicle, online quote discount, homeowner, good student, online signing, and continuous coverage.
The chart below illustrates the difference between insurance costs with and without discounts. The data assumes a male driver, no violations or claims, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, defensive driving course, homeowner, claim-free, anti-theft, and safe-driver discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a GMC Sierra is 28% or $468.
Bad driving habits will cost you more
The best way to get the best auto insurance prices for a Sierra pickup is to be a careful driver and not get tickets or have accidents. The illustration below shows how traffic citations and at-fault claims can affect yearly insurance costs for each age group. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of an auto insurance policy in Charlotte per year with a clean driving record and no accidents is $1,695. Get two speeding tickets and the average cost swells to $2,248, an increase of $554 each year. Then throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a GMC Sierra jumps again to an average of $2,803. That’s an increase of $1,108, or $92 per month, just for not being a responsible driver!