Finding affordable car insurance for a GMC Sierra doesn’t take too much effort, but it hinges on lots of different rating factors such as whether you are male or female, your geographic location, and any prior driving offenses. Drivers in California pay approximately $1,150 annually to insure their Sierra, but that amount is based on a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
The problem with using this number is the good chance you are not 40 and maybe not even a male, single instead of married, or maybe you need higher liability limits than the state minimum. Auto insurance is not the same for everyone, so the only way to find the cheapest coverage for your GMC is to do the rate comparisons yourself.
Vehicle trim level tends to impact the insurance rate, so the rate you pay to insure a Sierra SLE Regular Cab 2WD will cost $170 less than the insurance cost for the fancier Sierra Denali Crew Cab 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$192||$332||$456||$26||$136||$1,142||$95|
|Sierra SL Extended Cab 2WD||$192||$332||$456||$26||$136||$1,142||$95|
|Sierra SLE Crew Cab 2WD||$192||$332||$456||$26||$136||$1,142||$95|
|Sierra SL Crew Cab 2WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLE Crew Cab 2WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLE Regular Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLE Extended Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLE Crew Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLT Extended Cab 2WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SL Crew Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLT Extended Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLT Crew Cab 2WD||$216||$392||$456||$26||$136||$1,226||$102|
|Sierra SLT Crew Cab 4WD||$242||$452||$456||$26||$136||$1,312||$109|
|Sierra Denali Crew Cab 2WD||$242||$452||$456||$26||$136||$1,312||$109|
|Sierra Denali Crew Cab 4WD||$242||$452||$456||$26||$136||$1,312||$109|
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in your specific Oakland location which can affect prices substantially.
Ending up with a high-quality auto insurance company is hard considering how many choices there are in California. The information in the next section may help you select which insurers to look at when comparing rate quotes. These rankings only include large, nationwide insurance companies, so companies that focus mainly on California business are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Careless drivers pay higher rates
In a perfect world, the ideal way to obtain the best car insurance premiums for a Sierra pickup is to drive safe and avoid getting tickets or having accidents. The chart below shows how traffic citations and fender-benders raise auto insurance rates for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in Oakland per year with no accidents and a clean driving record is $2,433. Add in one speeding ticket and the average cost rises to $2,795, an increase of $361 each year. Next add two accidents along with the one speeding ticket and the annual cost of car insurance for a GMC Sierra increases to an average of $5,884. That’s an increase of $3,451, or $288 per month, just for not driving attentively!
Discount Oakland insurance
Insurance companies that provide policies for a GMC Sierra may also give you rate discounts that can lower rates by 40% or more if you meet specific eligibility requirements. Popular car insurance companies and the discounts they provide are shown below.
- 21st Century offers discounts for homeowners, 55 and older, student driver, early bird, automatic seat belts, defensive driver, and air bags.
- Progressive has discounts for good student, online quote discount, multi-policy, online signing, multi-vehicle, homeowner, and continuous coverage.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple policy, anti-theft, accident-free, Drive Safe & Save, and good student.
- Nationwide discounts include Farm Bureau membership, good student, multi-policy, easy pay, defensive driving, business or organization, and family plan.
- Esurance includes discounts for paid-in-full, multi-car, good student, Pac-12 alumni, and emergency road assistance.
- The Hartford offers discounts including air bag, good student, anti-theft, vehicle fuel type, defensive driver, and driver training.
The chart below shows the difference between auto insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, multiple policy, marriage, defensive driving course, homeowner, and claim-free discounts applied. In this example, the average savings per year on car insurance for a GMC Sierra is 28% or $652.
The chart below illustrates how choosing a deductible can influence insurance costs when quoting cheap insurance for a GMC Sierra. The data is based on a single female driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could cut expenses by $490 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $736 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates as much as $1,246 or even more by choosing larger deductibles on their policy. If you do raise deductibles, it’s a good idea to have additional funds squirreled away to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
If you have questions and prefer to have some professional guidance when shopping around for cheaper insurance for a GMC Sierra, the insurance agencies below are willing to aid you in deciding which policy fits your needs best.
To find an auto insurance agency in your neighborhood, click the button following the list or click here to get price quotes now.
Western-Southern Life Insurance Co
80 Swan Way # 102 – Oakland, CA 94621 – (510) 877-4119
All Purpose Insurance Agency
5857 MacArthur Blvd – Oakland, CA 94605 – (510) 382-1900
Ruth Stroup Insurance Agency
3560 Grand Ave – Oakland, CA 94610 – (510) 874-5700