Finding the best cheap auto insurance for a GMC Sierra depends on a whole bunch of factors such as how safe your vehicle is, if you are a frequent claim filer, and any past driving violations you may have had. California drivers pay on average $1,557 a year to insure their Sierra, but that is an estimate calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 40 years old or even a male, you might be married instead of single, or maybe you want more liability coverage than is required by law in California. Even a minor change in rating variables or coverage information can make a big difference in the amount insurance costs for a GMC Sierra.
Not everyone needs the same coverages, so the only real way to find the most affordable coverage for your GMC is to put in the effort to do a thorough rate comparison.
The specific trim level will most likely have an effect on the yearly cost, so the rate you pay to insure a Sierra SLE Regular Cab 2WD model will be $260 less than the cost to insure the more expensive Sierra Denali Crew Cab 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$272||$534||$534||$32||$160||$1,532||$128|
|Sierra SL Extended Cab 2WD||$272||$534||$534||$32||$160||$1,532||$128|
|Sierra SLE Crew Cab 2WD||$272||$534||$534||$32||$160||$1,532||$128|
|Sierra SL Crew Cab 2WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLE Crew Cab 2WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLE Regular Cab 4WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLE Extended Cab 4WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLE Crew Cab 4WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLT Extended Cab 2WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SL Crew Cab 4WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLT Extended Cab 4WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLT Crew Cab 2WD||$306||$628||$534||$32||$160||$1,660||$138|
|Sierra SLT Crew Cab 4WD||$342||$724||$534||$32||$160||$1,792||$149|
|Sierra Denali Crew Cab 2WD||$342||$724||$534||$32||$160||$1,792||$149|
|Sierra Denali Crew Cab 4WD||$342||$724||$534||$32||$160||$1,792||$149|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in garaging location in Stockton which can raise or lower prices substantially.
Figuring out which company quotes the best insurance rates for a GMC Sierra will involve a bit more work than just quoting one company’s rates. Each auto insurance company uses different criteria to establish rates, so we’ll go over the insurance companies with the most affordable rates in California.
It’s important to know that California insurance rates are based on many factors that will increase or decrease the cost of coverage. Simply turning a year older, increasing liability limits, or getting caught speeding can trigger price changes resulting in some rates now being more affordable than others.
Lowest Insurance Price Quotes for Your Truck
|Rank||Company||Cost Per Year|
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USAA quotes some of the lowest car insurance rates in Stockton at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the cheapest Stockton, CA auto insurance companies.
In this example, if you currently have coverage with Century National and switched to Wawanesa, you could see savings of about $57. California drivers with Nationwide might save as much as $93 a year, and 21st Century insureds might see rate reductions of $181 a year.
It’s important to note that these estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for a GMC Sierra. So the auto insurance company that fits your needs best may not even be in the top 24 companies in the list above. That illustrates why you need to get auto insurance quotes using your own driver information and specific vehicle type.
How to get discounts on Stockton car insurance
Insurance providers that offer quotes for a GMC Sierra may also provide rate discounts that could lower prices by 40% or more if you are eligible for them. Large insurance companies and their offered discounts include:
- State Farm offers discounts for Drive Safe & Save, anti-theft, multiple policy, multiple autos, accident-free, and passive restraint.
- Progressive may have discounts that include online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, and online quote discount.
- Progressive may include discounts for multi-vehicle, homeowner, continuous coverage, online signing, good student, online quote discount, and multi-policy.
- MetLife has savings for defensive driver, claim-free, accident-free, multi-policy, good student, good driver
- Farm Bureau policyholders can earn discounts including renewal discount, good student, multi-vehicle, safe driver, and driver training.
- GEICO offers discounts including anti-lock brakes, daytime running lights, air bags, federal employee, military active duty, and membership and employees.
- SAFECO includes discounts for accident prevention training, drive less, anti-lock brakes, teen safe driver, safe driver, teen safety rewards, and multi-car.
The chart below illustrates the difference between premium costs with and without discounts applied. The prices are based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, marriage, multiple vehicle, vehicle safety, passive restraint, and defensive driving course discounts applied. When discounts are factored in, theaverage amount saved on insurance for a GMC Sierra is 28% or $762.
The information below demonstrates how deductibles can influence annual premium costs when quoting cheap insurance for a GMC Sierra. The data is based on a married male driver, full coverage, and no other discounts are factored in.
As shown above, a 40-year-old driver could lower their policy premium by $428 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $648 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could shave up to $1,434 or even more just by choosing larger deductibles.
If you do decide to increase your deductibles, it will be necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
If you like to have some advice when comparing insurance rates for a Sierra pickup, the agents below are willing to help you determine which policy fits your needs best.
To find an agent by location nearest to you, click the button link following the list or click here to compare rates now.
- Beacon Padula Insurance
1150 W Robinhood Dr Suite 2b – Stockton, CA 95207 – (209) 478-3775
- George Azevedo Jr – State Farm Insurance Agent
718 Lincoln Center – Stockton, CA 95207 – (209) 474-3285
- C.Chuck Taylor Insurance Agency
9210 Thornton Rd # 5 – Stockton, CA 95209 – (209) 477-2234
- Banuelos Insurance Agency
2300 Waterloo Rd – Stockton, CA 95205 – (209) 513-3248
- Kim Martinez – State Farm Insurance Agent
4255 Pacific Ave #5 – Stockton, CA 95207 – (209) 478-4010
Ideas for buying the cheapest car insurance for a GMC Sierra
It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help Stockton drivers buy more affordable auto insurance.
- Increase your physical damage deductibles
- Assess whether full coverage is needed
- Buy vehicles with good safety ratings
- Good credit scores may make rates cheaper
- Be a cautious driver
- Avoid having at-fault accidents
- Shop around for cheaper prices often
The last item on the list is particularly important, as was affirmed in the prior information. Insurance rates can be modified anytime, so don’t be tentative to change to a new company if a cheaper price is available.
Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you thousands of dollars over several years. Take a couple minutes and shop around to find cheaper insurance for a GMC Sierra in Stockton.