How Much are Insurance Quotes for a GMC Sierra in Arizona?

Our editors have a joke that when writing about auto insurance, the word cheap shouldn’t be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap car insurance for a GMC Sierra does not exist. But don’t despair, because we will show you how you can still get auto insurance that is more budget-friendly.

The chances that you’ll find cheaper coverage for a GMC Sierra in Arizona depends upon a fairly complex equation with a lot of factors like annual miles driven, if you have ever had a gap in coverage, and driving citations. Drivers in Arizona pay around $840 per year for Sierra insurance, but that figure is an estimate that rates a 50-year-old single male driver who purchased full physical damage coverage and $1,000 deductibles.

When projecting a rate like this, the problem is that you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. Car insurance prices are based on the driver profile the best way to find the most affordable coverage for your GMC is to make a habit of comparing prices at least once a year.

Cheapest GMC Sierra Insurance Rates

The trim level of your Sierra has an effect on the cost of coverage, so the rate you pay to insure a Sierra SLE Regular Cab 2WD will be $122 less expensive the price to insure the more costly Sierra Denali Crew Cab 4WD model, as shown in the chart below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in zip code location which can lower or raise price quotes substantially.

What is the best car insurance company in Arizona?

Picking the top auto insurance provider is difficult considering how many companies provide coverage in Arizona. The ranking data listed below can help you select which coverage providers to look at putting your business with.

The ratings below only include the largest auto insurers in America, so smaller companies that only insure vehicles in Arizona will not be included in these rankings. To compare price quotes from these top insurers and more, simply click here.

The chart below shows how choosing a deductible can affect insurance costs when trying to find cheap insurance for a GMC Sierra. The premiums assume a single female driver, full coverage, and no discounts are applied.

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As shown above, a 30-year-old driver could pocket $434 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $652 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, can cut up to $966 or more by choosing a higher deductible.

If you make the decision to raise deductibles, it’s a good idea to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Difference between liability only and full coverage rates

Finding cheap insurance for a GMC Sierra in Arizona should be important to most drivers, and a great way to find cheaper insurance is to not pay for full coverage. The illustration below compares insurance costs with full coverage compared to only the Arizona minimum liability coverage. The price estimates are based on no violations or accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

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Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,595 per year over having just liability coverage. A very common question is when is the right time to remove full coverage. There is no specific rule of when to eliminate full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

There are some conditions where removing full coverage is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Allstate, Geico, Progressive, or State Farm: Which is best?

If you are looking for the best insurance for a Sierra pickup in Arizona, the companies that insure more vehicles than anyone else are Allstate, Geico, Progressive, and State Farm. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that buyers can select from. The following table rates some of the ratings and options offered by each company.