Finding cheaper car insurance for a GMC Sierra is dependent upon a fairly complex equation with a lot of factors such as your gender, whether or not you have prior claims, and if you have a history of accidents. Texas drivers pay approximately $893 a year for Sierra insurance, but that is an estimate calculated based on a 50-year-old married female driver with full physical damage coverage and $1,000 deductibles.
This brings up the issue that more than likely you may not be 50 years old (or even female), maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Have just a small change in rating variables can make a big difference in the policy cost.
Not everyone needs the same coverages, so the only real way to find cheap insurance prices for your GMC is to just take the time to compare rates yourself.
The specific model of Sierra impacts the coverage cost, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD model will cost $128 less than the price to insure the higher-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 | $140 | $260 | $358 | $22 | $108 | $888 | $74 |
| Sierra SL Extended Cab 2WD | $140 | $260 | $358 | $22 | $108 | $888 | $74 |
| Sierra SLE Crew Cab 2WD | $140 | $260 | $358 | $22 | $108 | $888 | $74 |
| Sierra SL Crew Cab 2WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLE Crew Cab 2WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLE Regular Cab 4WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLE Extended Cab 4WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLE Crew Cab 4WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLT Extended Cab 2WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SL Crew Cab 4WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLT Extended Cab 4WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLT Crew Cab 2WD | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Sierra SLT Crew Cab 4WD | $176 | $352 | $358 | $22 | $108 | $1,016 | $85 |
| Sierra Denali Crew Cab 2WD | $176 | $352 | $358 | $22 | $108 | $1,016 | $85 |
| Sierra Denali Crew Cab 4WD | $176 | $352 | $358 | $22 | $108 | $1,016 | $85 |
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle location which can modify prices greatly.
Finding out which company quotes the cheapest insurance rates for a GMC Sierra takes more work in order to find a policy that fits your budget. Every car insurance company uses their own method to set premium rates, so let’s look at the rankings for the lowest cost insurance companies in Texas.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,667 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,183 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,255 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| Quote Your Rates Go | ||
Travelers generally has some of the cheapest car insurance rates in Dallas at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Dallas, TX car insurance companies.
In the above rates, if you are a customer of Germania Mutual and switched to USAA, you could realize a yearly savings of approximately $199. Drivers with Esurance might save as much as $284 a year, and California Casualty customers might cut rates by $301 a year.
These policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for a GMC Sierra. So the car insurance company that can offer you the lowest price may not even be in the top 23 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
Poor driving habits will raise your insurance rates
The common sense way to maintain low insurance premiums in Dallas for a Sierra pickup is to drive attentively and not receive tickets or have accidents. The illustration below shows how violations and accidents can influence car insurance costs for each age group. The rate quotes are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The chart shows that the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,250. Add in one speeding ticket and the average cost swells to $2,550, an increase of $299 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for a GMC Sierra jumps again to an average of $3,393. That’s an increase of $1,143, or $95 per month, just for not driving safely!
Who has the cheapest Sierra insurance?
Dallas insurance rates are impacted by many factors that will increase or decrease the policy price. Simply having a birthday, getting married, or having an accident may prompt premium changes resulting in some companies being much cheaper than others.
In addition to those changes, insurers file new Texas car insurance rates as needed in order to offset underwriting gains or losses. Higher than normal claims may result in more expensive premiums, while long-term profits can cause lower-cost Sierra insurance rates.
To illustrate this point, the graph below shows which company has the cheapest car insurance in Dallas, TX for a 30-year-old female driver with no accidents, a clean driving record, and great credit. If we compare prices based on her current rating profile, Travelers may offer the most affordable car insurance rates in Dallas at $1,298 a year. This is $606 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining top five cheapest Dallas, TX auto insurance companies.
The example below compares rates after we give the driver from the above example an at-fault accident, a lower credit score, and an imperfect driving record. Due to the fact that every insurance company has their own process to determining premium rates, analyzing rate quotes may now present a different list of the cheapest companies as shown below.
USAA now has the best price on car insurance in Dallas with Mercury, State Farm, Nationwide, and Safe Auto completing the list. This demonstrates why Texas drivers need to compare as many rates as possible to get cheap auto insurance quotes for a GMC Sierra.
Auto insurance prices are calculated by many risk factors and can decrease or increase without notice, so the most economical company the last time you shopped your coverage around may now be quite expensive.
How to find the cheapest insurance for a GMC Sierra
Lowering your rates is not difficult, and here are a few money-saving suggestions that can help drivers get lower-cost coverage.
- Drop full coverage on older vehicles
- Buying home and auto together can help save money
- Safer vehicles cost less to insure
- Drivers with good credit ratings often pay less
- Do not get into accidents
- Shop your coverage around for the best deal
That final tip is remarkably important, as was affirmed in the prior article. Coverage prices fluctuate considerably, so don’t be hesitant to buy from a different company if a lower price can be found. Having a favorite company is fine, but it’s not recommended if it’s costing you a lot of money every month. It only takes a couple minutes to shop around to find cheaper auto insurance for a GMC Sierra in Dallas.
The Dallas auto insurance agencies shown below are willing to answer your questions and help you decide which coverages you need, as some drivers aren’t sure which coverage they need and prefer to get some professional advice when shopping around for cheaper insurance for a Sierra pickup. It can be complicated to find the best coverage on your own, so insurance agents can provide satisfaction knowing you have enough coverage when you need it.
To find an agent nearest to you, click the button at the bottom of the list.
- John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 - The Phoenix Insurance
11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 - Associations Insurance Agency, Inc.
5401 N Central Expy Suite 200 – Dallas, TX 75205 – (866) 384-8579 - Ruth Shannon – State Farm Insurance Agent
18217 Midway Rd #134 – Dallas, TX 75287 – (972) 735-9797