Finding the best cheap auto insurance for a GMC Sierra in Ohio is fairly easy, but it is dependent upon a fairly complex equation with a lot of factors such as your gender, where your vehicle is garaged, and your motor vehicle report. Drivers in Ohio will pay around $924 per year for Sierra insurance, but that price is a valuation calculated based on a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
It’s highly likely you are not 40 and maybe not even a female, possibly married instead of single, or maybe you don’t qualify for the same discounts. Having different needs demonstrates why the way we recommend to find cheap auto insurance rates for your GMC is to do a thorough rate comparison. In just a couple of minutes you will receive price comparisons from top-rated car insurance companies around.
The trim level of your Sierra can impact price, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $162 less than the cost to insure the more costly Sierra Denali Crew Cab 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$168||$334||$296||$18||$88||$904||$75|
|Sierra SL Extended Cab 2WD||$168||$334||$296||$18||$88||$904||$75|
|Sierra SLE Crew Cab 2WD||$168||$334||$296||$18||$88||$904||$75|
|Sierra SL Crew Cab 2WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLE Crew Cab 2WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLE Regular Cab 4WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLE Extended Cab 4WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLE Crew Cab 4WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLT Extended Cab 2WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SL Crew Cab 4WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLT Extended Cab 4WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLT Crew Cab 2WD||$190||$394||$296||$18||$88||$986||$82|
|Sierra SLT Crew Cab 4WD||$212||$452||$296||$18||$88||$1,066||$89|
|Sierra Denali Crew Cab 2WD||$212||$452||$296||$18||$88||$1,066||$89|
|Sierra Denali Crew Cab 4WD||$212||$452||$296||$18||$88||$1,066||$89|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can influence premiums considerably.
Determining which company offers the cheapest insurance rates for a GMC Sierra will require a little more work than just comparing a company or two. Each auto insurance company has a unique formula for setting rates, so let’s look at the rankings for the insurance companies that tend to have lower prices in Columbus.
Keep in mind that Ohio insurance rates are impacted by many things that can increase the policy price. Simply improving your credit, increasing deductibles, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than others.
Find the Cheapest Auto Insurance for Your Truck
Utica National normally has some of the most affordable car insurance rates in Columbus at around $635 each year. Erie, Frankenmuth, Allied, and Travelers also make the cut as some of the most economical Columbus, OH insurance companies.
In the above rates, if you are insured with Erie and switched to Utica National, you might achieve a yearly savings of in the vicinity of $32. Drivers with Frankenmuth may save as much as $52 a year, and Allied customers might lower prices by up to $62 a year.
To find out how much you can save, click here or click several companies below for low rates.
Understand that those rates are averages for all drivers and vehicles and do not factor in a specific location for a GMC Sierra. So the car insurance company that has the cheapest price for you may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own individual information.
Get discount Columbus auto insurance
Insurers that sell policies for a GMC Sierra may additionally offer price discounts that could potentially reduce rates by as much as 30% if you can meet the requirements. A list of companies and a selection of discounts are outlined below.
- GEICO may offer discounts for driver training, multi-policy, military active duty, good student, multi-vehicle, seat belt use, and five-year accident-free.
- MetLife includes discounts for defensive driver, good student, multi-policy, claim-free, accident-free, good driver
- State Farm may have discounts that include anti-theft, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, accident-free, student away at school, and safe vehicle.
- Progressive discounts include continuous coverage, good student, online quote discount, online signing, homeowner, and multi-vehicle.
- Mercury Insurance offers discounts for accident-free, annual mileage, multi-car, ease of repair, location of vehicle, and anti-theft.
- 21st Century offers premium reductions for homeowners, teen driver, good student, driver training, student driver, air bags, and early bird.
- Allstate offers discounts including economy car, resident student, premier discount, premier plus, FullPay discount, 55 and retired, and anti-theft.
The diagram below illustrates the comparison of auto insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, accident-free, passive restraint, marriage, and multiple policy discounts applied. When these discounts are applied, the average savings per year on insurance for a GMC Sierra is 28% or $392.
The importance of shopping around
Ohio insurance rates are determined by lots of factors which can substantially change the price of your policy. Getting older, increasing liability limits, or getting a reckless driving citation may generate price changes resulting in some companies being cheaper than before.
Not only that, but companies change their prices as often as every three months to reflect underwriting profits or losses. A period of increased losses may cause high rates, while a lower level of claims may result in lower-priced Sierra insurance rates.
The graph below shows which companies have the cheapest car insurance in Columbus, OH for a 35-year-old male driver with no accidents, a clean driving record, and a decent credit rating. If we estimate rates based on his personal profile, Utica National might quote the cheapest car insurance rates in Columbus at $794 per year. This is $246 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the rest of the cheapest Columbus, OH auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates some claims, bad credit, and a few blemishes on his driving record. Due to the fact that every auto insurer has their own process to determining premium rates, getting updated rate quotes most likely will result in a different list of the cheapest companies as shown below.
Merchants Insurance Group now has the lowest price on auto insurance in Columbus with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual also having competitive pricing. This demonstrates why consumers need to take the time to compare lots of rates when trying to find affordable car insurance rates for a GMC Sierra. Auto insurance prices are impacted by many risk factors and can decrease or increase without notice, so the cheapest rate the last time you shopped your coverage around may now be quite expensive.
The agencies below can most likely answer your questions and help you decide which policy is best, as some people prefer to have a professional recommendation when comparing insurance rates for a GMC Sierra. It’s not always easy to find the cheapest car insurance policy, and agents can provide you satisfaction knowing your policy gives you adequate coverage when you need it most. To locate an agency by location nearest to you, click the button link following the list.
- Gary Snowden – State Farm Insurance Agent
1369 Georgesville Rd – Columbus, OH 43228 – (614) 272-2300
- American Family Insurance – Patricia Dews
114 Norton Rd – Columbus, OH 43228 – (614) 878-9720
- Augustine Insurance Agency
3851 N High St – Columbus, OH 43214 – (614) 267-1973
- Franchise Insurance Agency, Inc.
4930 Reed Rd Suite 100 – Columbus, OH 43220 – (614) 451-2232
- Henderson Insurance Inc
3620 N High St #105 – Columbus, OH 43214 – (614) 884-0970
How to find cheaper insurance for a GMC Sierra
Below you’ll find some of the recommended thrifty suggestions that can help Ohio drivers buy low-cost car insurance.
- Just one traffic violation will increase your rates
- Buying home and auto together can help save money
- At-fault accidents will increase rates
- Do not pay for full coverage if not needed
- Safe vehicles generally have lower rates
- Save money by staying claim-free
- Shop around for cheaper rates regularly
The final tip is certainly valuable, as was pointed out in the prior information. Car insurance prices fluctuate constantly, so drivers shouldn’t be reluctant to buy a different policy if a cheaper rate is available.
Many drivers prefer to stick with one company, but it’s not a good idea if that stubbornness costs you several hundred dollars every year. In just a few minutes you could compare prices and find cheaper insurance for a GMC Sierra in Columbus.