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

Our editors always tell us that when writing about auto insurance, the word “cheap” shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Regardless, cheap car insurance for a GMC Sierra is not easy to find. Don’t get your dauber down, because we will teach you how you can get auto insurance that fits into your budget.

Buying cheaper coverage for a GMC Sierra in Tennessee relies on a lot of rating factors like the number of years you have been licensed, if you have ever let your coverage lapse, and if your driving record shows any at-fault accidents. Drivers in Tennessee on average pay around $1,040 each year for Sierra insurance, but that is an estimate rating a 40-year-old single female driver that has full coverage and $500 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 40 years old (or even female), maybe you are married instead of single, or maybe your driving record isn’t squeaky clean. Have just a small change in the rating input factors can cause significant differences in the coverage rate.

Auto insurance rates are unique for each driver, so the only real way to find the cheapest insurance price for your GMC is to do the rate comparisons yourself. Quotes only take a couple of minutes and you will receive prices from some of the most affordable companies in Tennessee.

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Your vehicle’s trim level can impact the annual cost of coverage, so the price you will pay to insure a Sierra SLE Regular Cab 2WD will be $166 less expensive the cost to insure the higher-priced Sierra Denali Crew Cab 4WD trim level, as shown in the prices below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can increase or decrease coverage prices substantially.

Figuring out which insurers offer the cheapest auto insurance rates for a GMC Sierra calls for a tad more effort in order to find coverage that fits your buget.

Each insurance company uses their own calculation for determining rates, so let’s rank the auto insurance companies that tend to have lower prices in Tennessee. It’s important that you understand Tennessee auto insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Simply turning a year older, having a teen driver, or getting a ticket for running a stop sign may prompt premium changes that can now make some companies more affordable than the competition.

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google.charts.setOnLoadCallback(drawTNT5qcibChart);function drawTNT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Utica National’, 744, ‘#F08550’], [‘Auto-Owners’, 861, ‘#C86E42’], [‘Cincinnati Insurance’, 884, ‘#A65B37’], [‘Penn National’, 908, ‘#8A4B2D’], [‘USAA’, 919, ‘#733E25’]]);var options = {title: ‘Cheapest Car Insurance Companies in Tennessee’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1019,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Utica National has some of the best car insurance rates in Tennessee at around $744 each year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also rank well as some of the lowest-priced Tennessee auto insurance companies.

As illustrated above, if you currently have a policy with Auto-Owners and switched to Utica National, you could realize an annual savings of upwards of $117. Insureds with Cincinnati Insurance may save as much as $140 a year, and Penn National customers might see rate reductions of $164 a year.

To see if your current coverage is too expensive, click here to get quotes or visit any of the companies below.

Be aware that those rates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a GMC Sierra. So the insurer that fits your age and vehicle best may not even be included in the list above. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.

Cost comparison with and without full coverage

Finding cheap insurance for a GMC Sierra in Tennessee is probably important to most drivers, and one of the easiest ways to pay less for insurance is to not buy full coverage. The diagram below compares car insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3647,1029],[‘Age 30’, 1879,567],[‘Age 40’, 1871,525],[‘Age 50’, 1701,493],[‘Age 60’, 1641,485],[‘Age 70’, 1981,645]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra in Tennessee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, full coverage on your policy costs an extra $2,120 per year more than carrying just liability coverage. That is a significant amount which raises the question if you should buy full coverage at all. There is no exact formula for phasing out physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s book value is $11,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $10,000 after you pay the deductible. If you are paying over $1,000 annually for your policy with full coverage, then you may need to consider dropping full coverage.

Illustration showing the impact of accidents and violations

A great way to find cheap insurance for a GMC Sierra in Tennessee is to drive safe and avoid accidents and traffic citations. The chart below demonstrates how traffic citations and at-fault fender-benders drive up car insurance costs for different age categories. The costs are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1921,2139,2759],[‘Age 30’, 1337,1561,2179],[‘Age 40’, 1325,1547,2167],[‘Age 50’, 1165,1389,2007],[‘Age 60’, 1111,1329,1951],[‘Age 70’, 1197,1415,2039]]);var options = {title: ‘Impact of Tickets and Claims on Tennessee GMC Sierra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra in Tennessee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy in Tennessee per year with no accidents and a clean driving record is $1,343. Get one speeding ticket and the average cost surges to $1,563, an increase of $221 each year. Now add one accident along with the one speeding ticket and the annual cost of auto insurance for a GMC Sierra increases to an average of $2,184. That’s an increase of $841, or $70 per month, just for being a careless driver!

Company comparison: Progressive vs Geico vs State Farm vs Allstate

When it comes to auto insurance, four companies to definitely compare rates with are Progressive, Geico, State Farm, and Allstate. The table below rates ratings for price and service, as well as some optional coverages you can buy with each company.