Wouldn't it be perfect if we could just tell you the one best company that has the cheapest car insurance rates for a GMC Sierra? It's not that easy, however, as there are a lot of unknown aspects like if you need full coverage or liability-only, if you currently have coverage, the vehicle you drive, and your credit rating, that help determine the price you have to pay. The information below covers some of these things and hopefully give you enough understanding to have a jump start in finding the best auto insurance.
One of the many criteria that are looked at to help calculate the amount you pay each year for auto insurance is where your car is garaged. Cities with larger populations tend to have higher auto insurance costs, whereas areas with less crime or weather claims can boast about having cheaper rates.
The next table shows the highest-priced places in Ohio for a GMC Sierra to purchase a policy in. Columbus is ranked #3 with an annual premium of $1,247 for the average insurance policy, which is about $104 each month.
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Table data uses approximated as the specific zip code location can lower or raise price quotes greatly.
The type of vehicle to be insured is one of the largest factors that determines whether or not you find the most economical insurance for a GMC Sierra. Vehicles with economical engines, a great safety record, or a track record of few liability claims will cost less to insure than high performance models.
The information below features insurance premiums for the cheapest vehicles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$971|
|Ford Escape XLT 4WD||$1,087|
|Honda CR-V EX-L 4WD||$1,118|
|Ford Focus SE 4-Dr Sedan||$1,125|
|Chevrolet Malibu LT||$1,174|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,188|
|Ford Explorer XLT AWD||$1,195|
|Toyota Corolla LE||$1,210|
|Toyota Camry XLE||$1,220|
|Chevrolet Impala LTZ||$1,210|
|Dodge Grand Caravan CV||$1,217|
|Nissan Rogue SL 2WD||$1,232|
|GMC Sierra SLT Extended Cab 2WD||$1,234|
|Volkswagen Jetta SE 4-Dr Sedan||$1,242|
|Toyota RAV4 2WD||$1,253|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,256|
|Jeep Grand Cherokee Laredo 2WD||$1,287|
|Hyundai Elantra Blue 4-Dr Sedan||$1,292|
|Toyota Camry Hybrid||$1,316|
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can decrease or increase prices greatly.
Looking at the rates, you can infer that vehicles like the Honda Accord, Ford Escape, and Honda CR-V are most likely going to be a few of the most budget-friendly vehicles to insure for a Sierra pickup.
Finding low-cost insurance is not easy, and figuring out which company offers the cheapest auto insurance rates for a GMC Sierra requires a bit more work. Each insurer has their own guidelines to determine rates, so let's take a look at the lowest cost auto insurance companies in Ohio.
Best Car Insurance Prices for Your Truck
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$778|
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Utica National quotes some of the cheapest car insurance rates in Columbus at around $628 each year. Erie, Allied, Frankenmuth, and Travelers are also some of the more affordable Columbus, OH insurance companies.
As shown above, if you are currently insured with Travelers and switched to Erie, you could realize yearly savings of around $59. Policyholders with USAA could save as much as $74 a year, and Cincinnati Insurance policyholders might reduce prices by as much as $82 a year.
Remember that these premium estimates are averages for all drivers and vehicles in Ohio and do not take into consideration a specific vehicle garaging location for a GMC Sierra. So the insurer that fits your situation best may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
The information below shows how choosing a deductible can affect annual premium costs when trying to find cheap insurance for a GMC Sierra. The costs are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could cut expenses by $178 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $272 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could potentially save as much as $456 or more just by choosing higher deductibles when buying full coverage.
When increasing deductibles, it's a good idea to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Types of discounts on Columbus auto insurance rates
Insurers that offer cheap quotes for a GMC Sierra may additionally offer special discounts that can reduce rates by 35% or more if you qualify for them. A list of companies and some of the premium reductions they offer can be read below.
- State Farm may have discounts that include Drive Safe & Save, good driver, good student, accident-free, student away at school, and anti-theft.
- Farmers Insurance may include discounts for homeowner, mature driver, bundle discounts, multi-car, and distant student.
- Progressive has discounts for online signing, multi-vehicle, good student, multi-policy, homeowner, online quote discount, and continuous coverage.
- GEICO includes discounts for emergency military deployment, anti-theft, anti-lock brakes, driver training, five-year accident-free, membership and employees, and multi-vehicle.
- Auto-Owners Insurance may offer discounts for safe driver, paperless, paid in full, group or association, company car, and safe vehicle.
- The Hartford policyholders can earn discounts including anti-theft, good student, bundle, defensive driver, driver training, and vehicle fuel type.
- Farm Bureau offers discounts including multi-policy, youthful driver, safe driver, good student, multi-vehicle, and renewal discount.
- USAA has savings for family discount, loyalty savings, multi-vehicle, safe driver, and annual mileage.
The example below compares auto insurance rates with and without policy discounts. The prices are based on a female driver, no claims or violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, multiple policy, passive restraint, accident-free, claim-free, and defensive driving course discounts applied. In this example, theaverage amount saved on auto insurance for a GMC Sierra is 27% or $253.
The Columbus auto insurance agencies shown below can answer your questions and help you decide which policy fits your needs best, since many consumers aren't sure which coverage to buy and prefer to get some professional advice when comparing insurance rates for a GMC Sierra. It's not always simple to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can bring comfort knowing your policy gives you adequate coverage when you need it most. To locate a Columbus auto insurance agent near you, click the button link following the list or click here to compare price quotes now.
Wiles Insurance Agency
348 Granville St - Gahanna, OH 43230 - (614) 536-0370
Gianna R Cone - State Farm Insurance Agent
1495 Morse Rd #100 - Columbus, OH 43229 - (614) 267-7865
Associated Insurance Agency - Pickerington
12927 Stonecreek Dr - Pickerington, OH 43147 - (614) 866-6060
John Dawson Associates
6025 Cleveland Ave - Columbus, OH 43231 - (614) 890-1660
Wolfe Insurance Group
630 E Broad St - Columbus, OH 43215 - (614) 418-5710
How to find low-cost insurance for a GMC Sierra
The list below summarizes some of the better thrifty ideas that can help drivers get more affordable car insurance.
- Don't waste money on full coverage for older vehicles
- Insure your home and auto with the same company
- Avoid accidents
- You will pay more if you get tickets or have at-fault accidents
- Drive safe vehicles
- Having too many claims will increase rates substantially
- Compare quotes from other companies often
The last tip is very important, as was pointed out in this piece. Prices charged by auto insurers in Columbus can be changed at any time, so drivers shouldn't be reluctant to switch carriers if a cheaper rate is available. Many consumers stick with the same company and that's fine, but it's not a good idea if that stubbornness costs you major coinage every year. Spend a few minutes and compare rates to find cheaper car insurance for a GMC Sierra.