Buying the cheapest auto insurance for a GMC Sierra in Texas depends on a fairly complex equation with a lot of factors such as how far you commute, your profession, and any prior driving offenses. Drivers will pay on average $910 each year for Sierra insurance, but that price is an approximation using a 50-year-old married male driver with full coverage and $1,000 deductibles.
It’s highly likely you are not 50 and maybe not even a male, single instead of married, and maybe your Sierra just needs liability-only coverage. Just a slight change in rating factors or requested coverage amount could result in a significant change in the amount insurance costs for a GMC Sierra.
Everyone has unique insurance needs, and this illustrates why the only way to find cheap car insurance rates for your GMC is to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive price comparisons from some of the best companies in Texas.
Your vehicle’s trim level has an effect on price, so the price you pay to insure a Sierra SLE Regular Cab 2WD will be $130 less than the insurance cost for the higher-end Sierra Denali Crew Cab 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$142||$266||$366||$22||$110||$906||$76|
|Sierra SL Extended Cab 2WD||$142||$266||$366||$22||$110||$906||$76|
|Sierra SLE Crew Cab 2WD||$142||$266||$366||$22||$110||$906||$76|
|Sierra SL Crew Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Crew Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Regular Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Extended Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Crew Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Extended Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SL Crew Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Extended Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Crew Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Crew Cab 4WD||$178||$360||$366||$22||$110||$1,036||$86|
|Sierra Denali Crew Cab 2WD||$178||$360||$366||$22||$110||$1,036||$86|
|Sierra Denali Crew Cab 4WD||$178||$360||$366||$22||$110||$1,036||$86|
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in vehicle location which can revise coverage rates greatly.
Finding the highest-rated auto insurance provider can be challenging considering how many companies are available to choose from in Houston. The rank data below may help you select which car insurance companies you want to consider comparing price quotes from. The ratings below include the companies with a significant amount of written premium nationwide, so companies that only write business in Texas or surrounding areas are not factored into the list.
Top 10 Large Auto Insurance Providers in Houston Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Full coverage rates compared to liability-only
Saving on car insurance is important to most vehicle owners, and an effective way to buy cheaper insurance for a GMC Sierra is to not buy full coverage. The diagram below illustrates the comparison of insurance costs with and without full coverage. The premiums are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an additional $2,791 per year more than buying just liability insurance. At some point, about every driver wonders if you should buy full coverage at all. There is no definitive rule for excluding full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
There are some cases where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.
The information below illustrates how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for a GMC Sierra. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could save $482 a year by switching from a $100 deductible up to a $500 deductible, or save $726 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices up to $1,230 or even more by choosing a higher deductible.
When using a larger deductible, it is essential to have additional savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.
Why are you paying too much for Sierra insurance?
Houston car insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply getting older, buying a new vehicle, or getting a DUI can produce rate changes resulting in some companies being affordable when they were higher priced.
Also, insurers change premium rates every year or even multiple times each year to adjust for heavy claims or excess profits. An extended period of higher than normal claims can cause more expensive premiums, while better underwriting can produce lower-cost Sierra insurance rates.
To help illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in Houston, TX for a 45-year-old male driver with no violations or accidents, and great credit. Based on his current risk factors, Travelers might offer the cheapest car insurance rates in Houston at $1,350 per year. This is $554 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the top five cheapest Houston, TX auto insurance companies.
The example below compares rates after we give the driver from the above example a couple of claims, bad credit, and a speeding citation. Due to the fact that every auto insurer has a different process to set their prices, comparing quotes may now result in a completely different list of the cheapest car insurance companies in Houston as shown below.
State Farm now has the best insurance rate in Houston, TX with Mercury, Nationwide, Safe Auto, and USAA now rounding out the top five. This illustrates why it is critical to compare rates when trying to get affordable car insurance quotes for a GMC Sierra.
Insurance prices are impacted by many risk factors and change frequently, so the best company when you last compared rates may now be one of the more expensive options.
How to find budget-friendly insurance for a GMC Sierra
Below you’ll find some thrifty suggestions that can help Texas drivers get lower-cost auto insurance.
- Buy a safer vehicle
- Good credit can help you save money
- Avoid at-fault accidents and claims
- Tickets and violations raise rates
- Raise your deductibles
- Keep rates low by shopping around frequently
The last tip is particularly necessary, as we pointed out in this write-up. Prices charged by car insurance companies go up and down frequently, so don’t hesitate to buy a different policy if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that dedication is costing money that could be used for better things. It takes less than five minutes to compare prices and find cheaper insurance for a GMC Sierra in Houston.
The insurance agencies listed below can probably help you make a decision which policy fits your needs best, since many people would rather have a consultation when shopping for cheaper insurance for a Sierra pickup. It’s not always simple to find coverage yourself, and insurance agents can give you satisfaction knowing you have adequate protection.
To locate an agency near you, click the button after the list or click here to get price quotes now.
Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800
R.Y.A. Insurance Agency, Inc.
12155 Jones Rd #300 – Houston, TX 77070 – (281) 469-6286
Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381
Hispano’s Insurance Agency
5420 Chimney Rock Rd – Houston, TX 77081 – (832) 778-8600
Craig Insurance Agency
1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733