Finding the cheapest car insurance for a GMC Sierra is pretty easy for most people, but it depends on lots of different rating factors such as whether you own a home, your credit score, and your choice of deductibles. California drivers pay around $1,796 a year to insure their Sierra, but that is calculated based on a 40-year-old single female driver with full coverage and $250 deductibles.
If we were betting, you aren’t exactly 40 years old or even a female, you might be married instead of single, or maybe you prefer to not insure for full coverage. Even a minor change in rating variables could result in a significant change in the amount insurance costs for a GMC Sierra.
There is no perfect policy for every driver, so the only real way to find affordable rates for your GMC is to just take the time to compare rates yourself. In less than five minutes you will receive price comparisons from some of the best insurers in California.
Your vehicle’s trim level will influence the yearly cost, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $316 cheaper than the cost to insure the more costly Sierra Denali Crew Cab 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SL Extended Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SLE Crew Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SL Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Regular Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Extended Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Crew Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Extended Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SL Crew Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Extended Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Crew Cab 4WD||$412||$882||$574||$34||$172||$2,074||$173|
|Sierra Denali Crew Cab 2WD||$412||$882||$574||$34||$172||$2,074||$173|
|Sierra Denali Crew Cab 4WD||$412||$882||$574||$34||$172||$2,074||$173|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise price quotes noticeably.
Deciding which company quotes the most affordable car insurance rates for a GMC Sierra will involve a bit more work in order to find the most economical policy.
Every insurance company has their own process to set policy rates, so let’s take a look at the most affordable car insurance companies in Los Angeles. It’s important to know that California car insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Improving your credit score, increasing deductibles, or getting into an accident may prompt premium changes resulting in some rates now being cheaper than before.
Find Cheaper Auto Insurance for Your Truck
|Rank||Company||Cost Per Year|
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USAA has some of the most affordable car insurance rates in Los Angeles at around $1,109 a year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the most economical Los Angeles, CA auto insurance companies.
As the example above demonstrates, if you currently buy coverage from Nationwide and switched to Wawanesa, you could see annual savings of upwards of $82. Customers with 21st Century could save as much as $144 a year, and Grange policyholders might lower prices by $310 a year.
Be aware that those policy rates are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for a GMC Sierra. So the insurer that can offer you the best rate may not even be in the top 24 companies shown above. That’s why you need to compare as many prices as possible using your own driver data and vehicle information.
How accidents and tickets impact rates
The recommended way to receive the best car insurance prices in California for a Sierra pickup is to be an attentive driver and not have accidents or get tickets. The chart below demonstrates how speeding tickets and at-fault fender-benders can impact insurance premiums for each different age category. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of auto insurance in California per year with a clean driving record and no accidents is $2,559. Add in two speeding tickets and the average cost jumps to $3,545, an increase of $986 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for a GMC Sierra goes up to an average of $4,538. That’s an increase of $1,979, or $165 per month, just for being a careless driver!
Why it’s important to shop around
Los Angeles, CA car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Getting older, buying a different vehicle, or getting a speeding ticket can trigger price changes resulting in some rates now being affordable when they were higher priced.
Not only may your risk profile change, but auto insurance companies modify rates multiple times each year in order to be able to pay unexpected claims. Higher than normal claim frequency or severity may result in increased rates, while lower claim levels may produce lower-cost Sierra insurance rates.
For example, the chart below compares the cheapest car insurance in Los Angeles, CA for a 30-year-old female driver with a good driving record, no prior claims, and excellent credit. When quoting prices based on her current situation, USAA might offer the best car insurance rates in Los Angeles at $1,782 per year. This is $131 more than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remainder of the cheapest Los Angeles, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example a claim surcharge, a lower credit rating, and an imperfect driving record. Because every insurance company has a proprietary formula for determining rates, getting updated rate quotes may now result in a new list of the cheapest car insurance companies in Los Angeles as shown below.
Grange now has the cheapest rate in Los Angeles with Mercury, Progressive, Allstate, and The Hartford completing the list. This example proves why drivers need to shop around with many companies to find affordable insurance quotes for a GMC Sierra. Rates are impacted by many things and change frequently, so the cheapest rate the last time you shopped your coverage around may now be an over-priced policy.
Tips for buying economical insurance for a GMC Sierra
The list below summarizes some money-saving suggestions that can help you get cheap coverage.
- Remain accident-free and save
- Vehicles with good safety ratings are usually cheaper to insure
- Just one traffic violation will increase your rates
- Good credit scores may lower your rates
- Increase deductibles to save money
- Shop around for cheaper prices often
That final tip is highly necessary, as was discussed in the prior article. Prices adjust often, so drivers shouldn’t be resistant to buy from a different company if a lower-cost policy is available.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that loyalty results in overpaying several hundred dollars every year. It only takes a couple minutes to shop around and find cheaper insurance for a GMC Sierra in Los Angeles.
The insurance agents in Los Angeles listed below are willing to aid you in deciding which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get some guidance when shopping for the best coverage for a Sierra pickup. It’s not always easy to do it yourself, so professional agents can give peace of mind knowing your policy gives you enough coverage if you have a claim. To locate a Los Angeles car insurance agency nearest to you, click the button link following the list or click here to compare price quotes now.
Public Insurance Agency
10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600
Sean Cheng State Farm Insurance Agency
767 N Hill St,109 – Los Angeles, CA 90012 – (213) 621-2526
State Farm: Pogos Ichmelyan
750 Colorado Blvd – Los Angeles, CA 90041 – (323) 257-1107