Buying affordable car insurance for a GMC Sierra is normally pretty easy, but it is dependent upon lots of different rating factors such as how many miles you drive each year, if you have recent claims, and any prior driving citations you have received. Drivers in California will pay around $1,724 a year for Sierra insurance, but that cost is calculated using a 30-year-old married male driver with full physical damage coverage and $100 deductibles.
It’s more than likely you are not 30 years old and maybe not even male, maybe you are single instead of married, or maybe your Sierra is old enough that it doesn’t require full coverage. Even a slight change in rating variables can result in a big discrepancy in the price of a policy.
This demonstrates why the best method for finding cheap car insurance rates for your GMC is to just compare rates yourself. It only takes a few minutes and you will get price quotes from top-rated companies that insure GMC vehicles in California.
Your vehicle’s trim level will be a contributing factor to the annual cost of coverage, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD will be $344 less than the insurance cost for the more well-appointed Sierra Denali Crew Cab 4WD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$380||$686||$442||$26||$132||$1,666||$139|
|Sierra SL Extended Cab 2WD||$380||$686||$442||$26||$132||$1,666||$139|
|Sierra SLE Crew Cab 2WD||$380||$686||$442||$26||$132||$1,666||$139|
|Sierra SL Crew Cab 2WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLE Crew Cab 2WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLE Regular Cab 4WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLE Extended Cab 4WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLE Crew Cab 4WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLT Extended Cab 2WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SL Crew Cab 4WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLT Extended Cab 4WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLT Crew Cab 2WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sierra SLT Crew Cab 4WD||$478||$932||$442||$26||$132||$2,010||$168|
|Sierra Denali Crew Cab 2WD||$478||$932||$442||$26||$132||$2,010||$168|
|Sierra Denali Crew Cab 4WD||$478||$932||$442||$26||$132||$2,010||$168|
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in Sacramento location which can decrease or increase premiums significantly.
Choosing the top insurer can be challenging considering how many companies provide coverage in Sacramento. The ranking information below may help you decide which car insurance companies to look at when buying insurance for a GMC Sierra. These ratings are only made up of companies with a national presence, so smaller companies that only insure vehicles in California are not factored into these rankings.
|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
Cost of full coverage in Sacramento
Finding cheaper auto insurance should be important to the majority of people, and one of the best ways to find cheap insurance for a GMC Sierra is to not buy comprehensive and collision coverage. The chart below shows the difference between car insurance rates with full coverage and liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.
If averaged out across all ages, comprehensive and collision coverage on your policy costs $3,285 per year over liability only. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no definitive rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
Types of discounts on Sacramento car insurance
Insurance companies that sell policies for a GMC Sierra may also give you special discounts that could reduce prices by as much as 25% or more if you are eligible to receive them. A few of the larger companies and some of the premium reductions they offer are detailed below.
- Progressive offers discounts including online signing, multi-policy, multi-vehicle, continuous coverage, online quote discount, and homeowner.
- Farmers Insurance offers discounts for multi-car, electronic funds transfer, early shopping, pay in full, homeowner, switch companies, and bundle discounts.
- Farm Bureau may offer discounts for renewal discount, multi-policy, 55 and retired, driver training, multi-vehicle, and youthful driver.
- State Farm has savings for safe vehicle, defensive driving training, passive restraint, good student, Steer Clear safe driver discount, driver’s education, and anti-theft.
- GEICO includes discounts for good student, federal employee, daytime running lights, five-year accident-free, military active duty, and membership and employees.
- SAFECO offers premium reductions for anti-lock brakes, accident prevention training, teen safe driver, bundle discounts, and safe driver.
- Liberty Mutual has discounts for new graduate, teen driver discount, multi-policy, multi-car, safety features, and preferred payment discount.
The diagram below illustrates the comparison of yearly insurance costs with and without discounts applied. The costs are based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, claim-free, accident-free, multiple vehicle, vehicle safety, and anti-theft discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for a GMC Sierra is 28% or $655.
Ideas for finding budget-friendly auto insurance for a GMC Sierra
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help California drivers find cheaper coverage.
- Buy safe vehicles
- Good credit can save money
- Increase deductibles to save money
- Avoid speeding and other traffic citations and pay less
- Avoid preventable accidents
- Comparison shop at least once a year
That last piece of advice is certainly valuable, as was discussed in the article above. Insurance rates in Sacramento fluctuate considerably, so drivers shouldn’t be resistant to switch to a new company if a more affordable rate is found.
Having brand loyalty is commendable, but is isn’t recommended if that loyalty results in overpaying lots of hard earned cash every month. It takes less than five minutes to shop around to find cheaper car insurance for a GMC Sierra.
If you wish to have a consultation when comparing insurance rates for a GMC Sierra, the insurance agencies listed below can probably help you determine which policy fits your needs best.
To locate a Sacramento auto insurance agent near you, click the button below the list.
Trevor Fong – State Farm Insurance Agent
7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240
Apna Insurance Agency
3022 Stockton Blvd #5 – Sacramento, CA 95820 – (916) 454-4495
Yeh Ferguson – State Farm Insurance Agent
7273 14th Ave Ste 100 – Sacramento, CA 95820 – (916) 455-5000