How Much Does Insurance Cost for a GMC Sierra in Nebraska?

Buying affordable coverage for a GMC Sierra in Nebraska depends on a complex equation that considers factors such as whether you own a home, whether or not you garage your vehicle, and driving citations. Drivers in Nebraska pay on average $1,080 every 12 months to insure a Sierra, but that cost is a valuation using rate data for a 40-year-old single female that has full coverage including both comprehensive and collision and $500 deductibles.

It’s more than likely you aren’t exactly 40 years old or even a female, possibly married instead of single, or maybe you just want liability only. Making even small differences in input factors can make a large difference in rate quotes.

Not everyone needs the same coverages, so the most reliable way to find cheap insurance prices for your GMC is to put in the effort to do a thorough rate comparison. Do a quick rate comparison now and you will get price quotes from the cheapest companies in Nebraska.

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The specific trim level tends to impact the cost of insurance, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $174 less than the insurance cost for the higher-end Sierra Denali Crew Cab 4WD model, as demonstrated by the prices below.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can impact rates greatly.

Comparing rates for low-cost auto insurance is not easy, and finding out which companies offer the cheapest auto insurance rates for a GMC Sierra will involve even more diligence. Every insurance company has a different formula to determine rates, so we’ll go over the auto insurance companies that tend to have lower prices in Nebraska.

It’s important to understand that Nebraska auto insurance rates are influenced by many factors that control the cost of having a policy. This price variation is why drivers need to take the time to shop around to find the most economical insurance quotes for a GMC Sierra. Prices are calculated by many things and change frequently, so the best company when you bought your policy may now be quite expensive.

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Safeco may offer some of the best car insurance rates in Nebraska at around $812 a year. The Hartford, Auto-Owners, Allied, and Nationwide are also some of the cheapest Nebraska insurance companies.

As the example above demonstrates, if you currently have a policy with Allied and switched to The Hartford, you may see yearly savings of upwards of $100. Nebraska drivers with Nationwide could save as much as $168 a year, and Farmers Mutual of Nebraska policyholders might realize rate reductions of up to $170 a year.

To get a quick, customized rate comparison, click here to get quotes or feel free to get quotes from the companies below.

Be aware that those policy prices are averages for all drivers and vehicles in Nebraska and do not take into consideration a specific rate factor for a GMC Sierra. So the auto insurance company that can offer you the best rate may not even be featured in the list of companies shown earlier. That emphasizes why you need to compare prices as often as possible using your own driver and vehicle profiles.

Cautious drivers save money

In a perfect world, the best way to get cheap insurance for a GMC Sierra in Nebraska is to drive carefully and have a clean driving record. The example below highlights how speeding tickets and fender-benders impact premium costs for different age groups. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of auto insurance in Nebraska per year with no accidents or violations is $2,035. Add in one speeding ticket and the average cost jumps to $2,291, an increase of $256 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for a GMC Sierra increases to an average of $3,016. That’s an increase of $981, or $82 per month, just for not driving responsibly!

The example below demonstrates how deductible levels can raise or lower insurance rates when quoting cheap insurance for a GMC Sierra. The costs are based on a married female driver, comp and collision included, and no other discounts are factored in.

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As shown above, a 40-year-old driver could save $328 a year by changing from a $100 deductible up to a $500 deductible, or save $492 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, could drop their prices $808 each year just by using higher deductibles.

If you do decide to increase your deductibles, it will be necessary to have enough funds in savings to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Which auto insurance company is best?

When comparing rates for insurance for a Sierra pickup, the companies that insure more vehicles than anyone else are Geico, Allstate, Progressive, and State Farm. When added together, they insure almost half of all vehicles in the U.S.. Each company has a slightly different mix of options and features that may affect your buying decision. The following table shows price, claims, and customer service ratings, as well as some optional coverages that may be available in Nebraska.