Finding cheap auto insurance for a GMC Sierra is fairly easy, but it is dependent upon a large number of rating criteria such as age of the driver, your credit rating, and blemishes on your driving record. Drivers in Arizona will pay on average $827 a year for Sierra insurance, but that cost is a valuation using a 50-year-old single female driver with full coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 50 years old (or even female), possibly married instead of single, or maybe you prefer to not insure for full coverage. Having different needs demonstrates why the only way to find the cheapest insurance price for your GMC is to do your own rate comparisons. To start saving now, get free quotes and you will receive price comparisons from top-rated companies around.
The specific model of Sierra can impact the cost of insurance, so the price you pay to insure a Sierra SLE Regular Cab 2WD trim level will cost $116 less than the insurance cost for the high end Sierra Denali Crew Cab 4WD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$124||$240||$338||$20||$102||$824||$69|
|Sierra SL Extended Cab 2WD||$124||$240||$338||$20||$102||$824||$69|
|Sierra SLE Crew Cab 2WD||$124||$240||$338||$20||$102||$824||$69|
|Sierra SL Crew Cab 2WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLE Crew Cab 2WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLE Regular Cab 4WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLE Extended Cab 4WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLE Crew Cab 4WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLT Extended Cab 2WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SL Crew Cab 4WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLT Extended Cab 4WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLT Crew Cab 2WD||$138||$284||$338||$20||$102||$882||$74|
|Sierra SLT Crew Cab 4WD||$154||$326||$338||$20||$102||$940||$78|
|Sierra Denali Crew Cab 2WD||$154||$326||$338||$20||$102||$940||$78|
|Sierra Denali Crew Cab 4WD||$154||$326||$338||$20||$102||$940||$78|
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in garaging location in Phoenix which can modify rates considerably.
Auto insurance company ratings
Insuring your vehicle with a high-quality company can be challenging considering how many choices drivers have in Arizona. The ranking data listed below may help you select which companies to look at when comparing insurance rates for a GMC Sierra. These ratings are only made up of companies who write in the majority of U.S. states, so companies with more of a regional focus will not be included in these rankings.
Top 10 Large Auto Insurance Providers in Phoenix Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
How to get discounts on Phoenix car insurance
Insurers that offer quotes for a GMC Sierra may also give you discounts that may potentially lower prices by 30% or more if you meet certain criteria. Large auto insurance companies and some of the premium reductions they offer are shown below.
- GEICO may have discounts that include anti-theft, emergency military deployment, federal employee, good student, air bags, seat belt use, and five-year accident-free.
- SAFECO offers discounts including teen safe driver, homeowner, safe driver, bundle discounts, drive less, and multi-car.
- State Farm has discounts for anti-theft, defensive driving training, multiple autos, accident-free, and passive restraint.
- MetLife discounts include multi-policy, claim-free, good driver, good student, defensive driver, accident-free
- 21st Century has savings for air bags, student driver, 55 and older, anti-lock brakes, and early bird.
- Progressive may offer discounts for online signing, multi-vehicle, online quote discount, multi-policy, and good student.
The chart below shows the difference between yearly insurance costs with and without discounts applied. The data assumes a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, accident-free, multiple vehicle, passive restraint, marriage, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a GMC Sierra is 28% or $502.
Difference between liability only and full coverage rates
Saving money on auto insurance is probably important to most people, and one of the best ways to pay lower rates for insurance for a GMC Sierra is to buy liability only. The information below compares auto insurance rates with and without full coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
If we average all the age groups together, comp and collision coverage costs $1,491 per year more than just buying liability only. That may make you wonder if paying for full coverage is worth it. There is no specific rule that works best for making the decision to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
There are some scenarios where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.
The diagram below illustrates how your deductible choice can change insurance prices when searching for cheap insurance for a GMC Sierra. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could reduce rates by $276 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $418 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates up to $834 or even more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is important to have additional funds in a savings account to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
If you aren’t clear which coverage you need and would like to have professional advice when buying car insurance for a GMC Sierra, the agents listed below are a good start to help you make a decision which coverages and limits you need. To find a Phoenix insurance agent closest to you, click the button link following the list or click here to get price quotes now.
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500
Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284
American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359