Finding cheap insurance for a GMC Sierra in Texas is pretty easy to do, but it hinges on lots of different factors such as how safe your vehicle is, your claims history, and if you have tickets or violations. Texas drivers pay on average $1,268 annually to insure their Sierra, but that amount is an approximation based upon a 50-year-old married female driver with full physical damage coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a female, single instead of married, or maybe you prefer to not insure for full coverage. There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap insurance rates for your GMC is to compare as many rates as you can.
The trim level of your vehicle will influence the annual cost of coverage, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD will be $240 cheaper than the price to insure the more expensive 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||$252||$492||$358||$22||$108||$1,232||$103|
|Sierra SL Extended Cab 2WD||$252||$492||$358||$22||$108||$1,232||$103|
|Sierra SLE Crew Cab 2WD||$252||$492||$358||$22||$108||$1,232||$103|
|Sierra SL Crew Cab 2WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLE Crew Cab 2WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLE Regular Cab 4WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLE Extended Cab 4WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLE Crew Cab 4WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLT Extended Cab 2WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SL Crew Cab 4WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLT Extended Cab 4WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLT Crew Cab 2WD||$284||$580||$358||$22||$108||$1,352||$113|
|Sierra SLT Crew Cab 4WD||$318||$666||$358||$22||$108||$1,472||$123|
|Sierra Denali Crew Cab 2WD||$318||$666||$358||$22||$108||$1,472||$123|
|Sierra Denali Crew Cab 4WD||$318||$666||$358||$22||$108||$1,472||$123|
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change insurance rates considerably.
Which car insurance company is best in Texas?
Picking a high-quality auto insurance provider can be difficult considering how many choices you have in Arlington. The company rank data below could help you pick which auto insurance companies to look at when looking for cheaper rates. These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Texas or surrounding areas will not be included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Arlington car insurance rates
Car insurance companies that provide coverage for a GMC Sierra may also give you premium discounts that could reduce prices by 40% or more if you meet certain criteria. Large car insurance companies and their possible discounts are shown below.
- State Farm offers discounts including safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, good driver, accident-free, and passive restraint.
- GEICO has savings for five-year accident-free, good student, anti-lock brakes, air bags, military active duty, daytime running lights, and multi-vehicle.
- Progressive offers premium reductions for multi-policy, multi-vehicle, good student, homeowner, and continuous coverage.
- 21st Century discounts include 55 and older, good student, homeowners, student driver, air bags, anti-lock brakes, and driver training.
- American Family may offer discounts for TimeAway discount, good driver, air bags, multi-vehicle, good student, Steer into Savings, and accident-free.
- The Hartford policyholders can earn discounts including defensive driver, air bag, vehicle fuel type, anti-theft, bundle, good student, and driver training.
- AAA includes discounts for AAA membership discount, anti-theft, multi-policy, good student, and good driver.
The example below illustrates the comparison of insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, anti-theft, accident-free, passive restraint, marriage, and homeowner discounts applied. In this example, the average savings per year on car insurance for a GMC Sierra is 28% or $565.
How violations and accidents impact rates
One of the best ways to earn the most affordable car insurance prices in Texas for a Sierra pickup is to be a careful driver and have a clean driving record. The diagram below highlights how traffic violations and at-fault accidents can drive up insurance costs for different insured age categories. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance per year with no accidents or violations is $2,179. Add in one speeding ticket and the average cost rises to $2,470, an increase of $291 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a GMC Sierra goes up to an average of $5,020. That’s an increase of $2,841, or $237 per month, just for not keeping your driving record clean!
How to find budget-friendly car insurance for a GMC Sierra
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help Arlington drivers find cheap coverage.
- Having at-fault accidents will increase rates
- Bundle home and auto and earn a discount
- Avoid price increases by not filing claims
- Increase your credit rating
- Do not get tickets or violations
- Increase your policy deductibles
- Keep rates low by shopping around frequently
The last idea is incredibly necessary, as we hit on in the article above. Insurance prices can be changed at any time, so drivers shouldn’t be reluctant to change to a new company if you can find a cheaper rate.
Staying with the same car insurance company is fine, but it isn’t a good idea if your bullheadedness ends up costing you a small fortune year after year. It takes less than five minutes to shop around and find cheaper auto insurance for a GMC Sierra in Arlington.