Buying economical coverage for a GMC Sierra doesn’t take a lot of effort, but it relies on a whole bunch of rating criteria such as how you use your Sierra, your residence address, and any prior driving offenses you have. Drivers pay on average $969 a year to insure their Sierra, but that is an estimate calculated using a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 50 and maybe not even a female, maybe you are married instead of single, and you need different coverage limits than the sample rates. Having just a slight change in policy rating criteria or coverages could end up with a large change in the cost of insurance.
Different coverage needs are the reason why the best way to find the cheapest coverage for your GMC is to just take the time to compare rates yourself.
The trim level of your GMC tends to have a direct effect on the coverage cost, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $156 lower than the cost to insure the more well-appointed Sierra Denali Crew Cab 4WD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $166 | $318 | $348 | $20 | $104 | $956 | $80 |
| Sierra SL Extended Cab 2WD | $166 | $318 | $348 | $20 | $104 | $956 | $80 |
| Sierra SLE Crew Cab 2WD | $166 | $318 | $348 | $20 | $104 | $956 | $80 |
| Sierra SL Crew Cab 2WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLE Crew Cab 2WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLE Regular Cab 4WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLE Extended Cab 4WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLE Crew Cab 4WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLT Extended Cab 2WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SL Crew Cab 4WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLT Extended Cab 4WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLT Crew Cab 2WD | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Sierra SLT Crew Cab 4WD | $210 | $430 | $348 | $20 | $104 | $1,112 | $93 |
| Sierra Denali Crew Cab 2WD | $210 | $430 | $348 | $20 | $104 | $1,112 | $93 |
| Sierra Denali Crew Cab 4WD | $210 | $430 | $348 | $20 | $104 | $1,112 | $93 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in Henderson location which can revise price quotes considerably.
Buying reasonably-priced auto insurance is hard enough, and figuring out which company offers the best auto insurance rates for a GMC Sierra will require a bit more work.
Every auto insurer uses a different method to set their prices, so we’ll take a look at the most affordable auto insurance companies in Nevada.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $930 |
| 2 | Allied | $939 |
| 3 | Capital | $1,008 |
| 4 | Oregon Mutual | $1,147 |
| 5 | Progressive | $1,190 |
| 6 | American Family | $1,230 |
| 7 | GEICO | $1,269 |
| 8 | Nationwide | $1,282 |
| 9 | USAA | $1,284 |
| 10 | Safeco | $1,346 |
| 11 | Farmers | $1,496 |
| 12 | MetLife | $1,615 |
| 13 | Country | $1,651 |
| 14 | State Farm | $1,698 |
| 15 | Mercury | $1,825 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,249 |
| 18 | Bristol West | $2,384 |
| 19 | Allstate | $2,385 |
| 20 | Encompass | $2,630 |
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Travelers has some of the most affordable car insurance rates in Henderson at around $930 a year. Allied, Capital, Oregon Mutual, and Progressive also rank well as some of the more affordable Henderson, NV insurance companies.
As the example above demonstrates, if you are currently insured with Progressive and switched to Allied, you could see savings of in the vicinity of $251. Insureds with American Family might save as much as $291 a year, and GEICO policyholders might realize rate reductions of up to $330 a year.
If you want to find out if you’re overpaying, click here or visit any of the companies below.
It’s important to note that these prices are averages across all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location for a GMC Sierra. So the car insurance company that can offer you the best rate may not even be in the top 20 companies shown above. That is why you need to compare as many prices as possible using your own individual information.
How to get discounts on Henderson car insurance rates
Auto insurance companies that offer cheap quotes for a GMC Sierra may also provide rate discounts that could potentially reduce rates by as much as 35% or more if you qualify. Companies and their offered discounts are:
- State Farm policyholders can earn discounts including defensive driving training, Drive Safe & Save, accident-free, multiple policy, anti-theft, safe vehicle, and student away at school.
- Esurance may offer discounts for multi-car, safety device, Switch & Save, DriveSense, and anti-lock brakes.
- Progressive includes discounts for online quote discount, homeowner, good student, continuous coverage, and online signing.
- Liberty Mutual discounts include exclusive group savings, newly retired, safety features, new vehicle discount, hybrid vehicle, and new graduate.
- Auto-Owners Insurance has savings for mature driver, safe vehicle, safe driver, anti-theft, and paperless.
- GEICO may have discounts that include good student, multi-vehicle, air bags, driver training, seat belt use, and federal employee.
The information below shows the difference between auto insurance rates with and without discounts applied to the policy rates. The prices are based on a female driver, no violations or accidents, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, accident-free, claim-free, anti-theft, homeowner, and vehicle safety discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for a GMC Sierra is 28% or $600.
Driving violations and accidents
In a perfect world, the best way to score low auto insurance prices for a Sierra pickup is to be a careful driver and avoid accidents and traffic citations. The information below illustrates how traffic citations and accident claims can raise auto insurance rates for each different age category. The price estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy per year with no violations or accidents is $1,661. Get two speeding tickets and the average cost surges to $2,223, an increase of $562 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a GMC Sierra jumps again to an average of $4,406. That’s an increase of $2,745, or $229 per month, just for not being more responsible behind the wheel!
Shop around and save
Henderson auto insurance rates are influenced by many factors that can increase the price you pay. Turning one year older, buying another vehicle, or getting a speeding ticket can produce rate changes that may make certain companies cheaper than competitors. And not only may your rating factors change, but insurance companies modify pricing every year or even multiple times each year in order to remain profitable. Heavy losses can cause more expensive prices, while lower claim levels may result in more affordable Sierra insurance rates.
The chart below shows which company has the cheapest car insurance in Henderson, NV for a 45-year-old female driver with a clean driving record, no accidents, and a high credit rating. If we compare prices based on her personal profile, Travelers may have the best car insurance rates in Henderson at $1,484 annually. This is $90 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are also on the list of the cheapest Henderson, NV auto insurance companies.
The example below compares rates after we give the driver from above an accident surcharge, slightly worse credit, and an imperfect driving record. Due to the fact that every auto insurer has a proprietary formula for establishing rates, comparing prices most likely will result in a significantly different list of companies as shown below.
GEICO now has the lowest price on auto insurance in Henderson, NV with USAA, Safeco, Nationwide, and Allied now being in the top five. This shows why Henderson drivers need to shop around to get affordable car insurance rates for a GMC Sierra. Rates are calculated by many factors and change dramatically, so the best company three years ago may now not even be in the top five.
How to find cheaper insurance for a GMC Sierra
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help drivers buy lower-cost coverage.
- Drop full coverage on older vehicles
- Being accident-free can lower rates significantly
- Serious violations like DUI or reckless driving can increase rates dramatically
- Higher deductibles save money
- Good credit can save money
- Drive vehicles with five-star safety ratings
- Compare rate quotes frequently
The last item on the list is certainly necessary, as was discussed in the prior information. Coverage prices in Henderson adjust frequently, so don’t be hesitant to switch to a new company if a cheaper rate is available. We understand brand loyalty, but is isn’t recommended if that loyalty ends up costing hundreds every year. If you have a few minutes, compare rates and find cheaper auto insurance for a GMC Sierra.
If you prefer to have professional advice when trying to find lower insurance rates for a GMC Sierra, the agents listed below are willing to provide answers to your questions and help you determine which coverage meets your needs best. To find an agent in your neighborhood, click the button at the bottom.
State Farm: Steve Arrington
325 W Lake Mead Pkwy – Henderson, NV 89015 – (702) 565-9743
Farmers Insurance: Laurie Yakubik
183 Gibson Rd – Henderson, NV 89014 – (702) 456-8119
American Family Insurance – Sean Stewart Agency Inc.
2520 St Rose Pkwy #103 – Henderson, NV 89074 – (702) 479-1570
Cassidy Arbeli – State Farm Insurance Agent
693 N Valle Verde Dr Ste 4 – Henderson, NV 89014 – (702) 902-1909
Steve Leone and Sarah Loy (Leone and Loy Agency) representing American National Insurance Company
1368 Paseo Verde Pkwy #200a – Henderson, NV 89012 – (702) 368-4040