Cheapest Insurance for a GMC Sierra in California

Anytime the topic is auto insurance, the words “cheap” or “affordable” really should not be used as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap car insurance for a GMC Sierra just does not exist. Don’t let that spoil your day, because we are going to show you how you can quote coverage that is cheaper than your current rate.

The odds of finding cheaper coverage for a GMC Sierra in California depends upon a complex formula that factors things like the amount of driving experience you have, if you are currently insured, and any driving offenses on your record. Drivers pay an average of $1,590 each year to insure a GMC Sierra, but that amount is an approximation using a 40-year-old single female driver who needs full coverage including both comprehensive and collision and $500 physical damage deductibles.

There’s a high likelihood you may not be 40 years old (or even female), married instead of single, or maybe you’re a renter instead of a homeowner. This example demonstrates why the way we recommend to find the cheapest coverage for your GMC is to regularly compare rates at renewal.

Compare Rates and Save

The trim level of your GMC will most likely have an effect on the cost of coverage, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD will be $258 cheaper than the insurance cost for the more costly Sierra Denali Crew Cab 4WD version, as demonstrated by the prices below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can lower or raise prices considerably.

Choosing a high-quality car insurance provider can be difficult considering how many different insurance companies sell coverage in California. The ranking information listed below may help you select which coverage providers you want to consider when comparing auto insurance rates for a GMC Sierra. The rankings below include the largest companies in the United States, so smaller companies will not be included in this list.

Top 10 Large Auto Insurance Providers in California Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top Companies for GMC Sierra Insurance in California

How to get discounts on California car insurance rates

Insurers that sell the cheapest insurance for a GMC Sierra in California may also give you premium discounts that can lower rates by as much as 35% or more if you meet certain criteria. A few popular companies and some of the discounts are shown below.

• Farmers Insurance may include discounts for electronic funds transfer, mature driver, teen driver, pay in full, switch companies, and alternative fuel.
• State Farm may offer discounts for multiple policy, Drive Safe & Save, accident-free, good driver, good student, and student away at school.
• Liberty Mutual offers discounts including new move discount, hybrid vehicle, multi-policy, multi-car, good student, newly retired, and exclusive group savings.
• MetLife offers premium reductions for good driver, defensive driver, good student, claim-free, accident-free, multi-policy
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, online quote discount, continuous coverage, online signing, good student, and multi-policy.

The chart below shows the comparison of yearly insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, marriage, safe-driver, multiple vehicle, passive restraint, and multiple policy discounts applied. In this example, the the average yearly reduction on auto insurance for a GMC Sierra is 28% or $724.

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Best rates: Allstate, State Farm, Progressive, or Geico

When it comes to buying insurance for a Sierra pickup, the companies that insure more vehicles than anyone else are Allstate, State Farm, Progressive, and Geico. The next table breaks down ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.

Find the cheapest insurance for a GMC Sierra in California

The list below shows some of the better thrifty suggestions that can help you find lower-cost auto insurance.

• Save money by staying claim-free
• Buying your home and auto policies from the same company can earn a discount
• Improve your credit rating
• Avoid preventable accidents
• Speeding tickets and other violations increase rates
• Raise deductibles to save money
• Keep rates low by shopping around frequently

The last tip is particularly significant, as was discussed in this piece. Insurance rates in California can change considerably in a year, so don’t be hesitant to buy a different policy if a lower price can be found.

Many consumers stick with the same company and that’s fine, but it’s not a great idea if that inflexibility results in costing you major coinage every year. It only take a few minutes to shop around to find cheaper insurance for a GMC Sierra.