Cheapest Rate Quotes for GMC Sierra Insurance in Houston

Feel like you’re a prisoner to an expensive car insurance policy? Trust us, you’re not alone.

Insurance for GMC SierraA recent car insurance study revealed that the vast majority of consumers have stayed with the same insurance company for at least four years, and just short of a majority have never quoted car insurance rates at all. Houston drivers could save an average of almost 70% each year just by shopping around, but most just don’t grasp the amount of money they would save if they bought a different policy.

There are many insurers to choose from, and though it is a good thing to have multiple companies, it can be more difficult to compare rates for GMC Sierra insurance in Houston.

Discounts for affordable insurance quotes

Some companies do not list every policy discount very clearly, so the following list contains both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy Houston auto insurance online.

As is typical with insurance, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

Popular insurance companies and their offered discounts can be found below.

If you need cheaper Houston auto insurance quotes, ask each company the best way to save money. Some discounts might not be available to policyholders in Houston. To see insurers who offer free GMC Sierra insurance quotes in Texas, click this link.

Ways to get GMC Sierra insurance rate quotes in Houston, TX

To find low cost Houston auto insurance quotes, there are several ways to get quotes from companies that offer auto insurance in Texas. The fastest way to lower the rate you pay for GMC Sierra insurance is to get quotes online.

It’s so easy to compare rates online that it makes it a waste of time to actually drive to insurance agencies in your area. Buying insurance online can eliminate the need for a local agent unless you prefer the extra assistance of a licensed agent. Some companies do allow you to find lower rates online but have a local agent actually write the policy.

When comparison shopping, comparing a large number of companies helps increase your odds of locating better pricing. Some smaller insurers do not give online price quotes, so you should also compare prices from them as well.

The companies shown below provide comparison quotes in Houston, TX. If more than one company is shown, we recommend you compare several of them in order to get a fair rate comparison.


GMC Sierra Insurance Costs in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $282 $580 $400 $24 $120 $1,406 $117
Sierra SL Extended Cab 2WD $254 $486 $400 $24 $120 $1,284 $107
Sierra SLE Crew Cab 2WD $186 $340 $366 $22 $110 $1,024 $85
Sierra SL Crew Cab 2WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLE Crew Cab 2WD $284 $580 $358 $22 $108 $1,352 $113
Sierra SLE Regular Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Sierra SLE Extended Cab 4WD $370 $698 $382 $22 $114 $1,586 $132
Sierra SLE Crew Cab 4WD $210 $400 $366 $22 $110 $1,108 $92
Sierra SLT Extended Cab 2WD $160 $312 $366 $22 $110 $970 $81
Sierra SL Crew Cab 4WD $246 $434 $392 $24 $118 $1,214 $101
Sierra SLT Extended Cab 4WD $356 $788 $496 $30 $148 $1,818 $152
Sierra SLT Crew Cab 2WD $410 $858 $514 $30 $154 $1,966 $164
Sierra SLT Crew Cab 4WD $224 $486 $462 $28 $138 $1,338 $112
Sierra Denali Crew Cab 2WD $318 $660 $430 $26 $128 $1,562 $130
Sierra Denali Crew Cab 4WD $412 $804 $382 $22 $114 $1,734 $145
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can change premium rates greatly.

Comparison of auto insurance rates by gender

The information below compares GMC Sierra auto insurance rates for male and female drivers. The costs are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Can higher deductibles save money?

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The rates below may help to conceptualize the costs and benefits between high and low comp and collision deductibles. The first set of prices uses a $250 deductible and the second set of prices uses a $1,000 deductible.


GMC Sierra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $294 $496 $382 $22 $114 $1,333 $111
Sierra SL Extended Cab 2WD $294 $496 $382 $22 $114 $1,333 $111
Sierra SLE Crew Cab 2WD $294 $496 $382 $22 $114 $1,333 $111
Sierra SL Crew Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Crew Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Regular Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Extended Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLE Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Extended Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SL Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Extended Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Crew Cab 2WD $332 $584 $382 $22 $114 $1,459 $122
Sierra SLT Crew Cab 4WD $370 $672 $382 $22 $114 $1,585 $132
Sierra Denali Crew Cab 2WD $370 $672 $382 $22 $114 $1,585 $132
Sierra Denali Crew Cab 4WD $370 $672 $382 $22 $114 $1,585 $132
Get Your Own Custom Quote Go

GMC Sierra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Sierra SL Extended Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Sierra SLE Crew Cab 2WD $182 $312 $382 $22 $114 $1,012 $84
Sierra SL Crew Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Crew Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Regular Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Extended Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLE Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Extended Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SL Crew Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Extended Cab 4WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Crew Cab 2WD $206 $368 $382 $22 $114 $1,092 $91
Sierra SLT Crew Cab 4WD $228 $424 $382 $22 $114 $1,170 $98
Sierra Denali Crew Cab 2WD $228 $424 $382 $22 $114 $1,170 $98
Sierra Denali Crew Cab 4WD $228 $424 $382 $22 $114 $1,170 $98
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in your specific Houston location which can increase or decrease prices considerably.

Based on these figures, using a $250 deductible will cost you approximately $31 more each month or $372 each year than quoting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 24 months between claims, you would most likely save money if you choose a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): – $91
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important caveat is that increasing deductibles to lower your rates results in more money out-of-pocket when you have to file a claim. You need some savings in the bank in the event you need to pay the higher deductible in order to repair your vehicle.

Rate difference between full and liability-only coverage

The information below shows the difference between GMC Sierra insurance costs with full coverage compared to only the Texas minimum liability coverage. Data assumes no accidents or driving violations, $500 deductibles, married male driver, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no clear-cut formula for phasing out full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your GMC Sierra settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after you pay the deductible. If premium cost is more than $800 annually for full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

How Your Sierra Insurance Rates are Determined

Many factors are used when premium rates are determined. Some are obvious like a motor vehicle report, but other factors are more transparent like your vehicle usage or how financially stable you are. A large part of saving on car insurance is knowing some of the factors that go into determining car insurance rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that may reward you with better car insurance rates.

When do I need an agent’s advice?

When quoting and comparing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are unique to you and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you will benefit from professional help.

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Local insurance agents

Some consumers prefer to get professional advice from a licensed agent and that can be a smart move One of the great benefits of comparing insurance prices online is the fact that you can find lower rates and still choose a local agent. And providing support for small agencies is definitely important in Houston.

Houston insurance agentsUpon completion of this quick form, your insurance coverage information is instantly submitted to local insurance agents in Houston that can give you free Houston auto insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent because quoted prices will be sent immediately to you. You can get cheaper insurance rates AND a local agent. In the event you want to compare rates from a specific insurance company, just go to their quote page and fill out their quote form.

What types of auto insurance agents are in Houston?

When narrowing the list to find a reputable insurance agent or broker, there are two types of insurance agents and how they differ in how they can insure your vehicles. Insurance agents can be classified as either independent agents or exclusive agents.

Independent Insurance Agencies

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage through lots of different companies and help determine which has the cheapest rates. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent.

If you need cheaper insurance rates, you will want to get several quotes from at a minimum one independent agency to maximize your price options.

Listed below is a short list of independent insurance agencies in Houston that may be able to give you rate quotes.


15327 Gulf Fwy bHouston, TX 77034(281) 484-4870View Map


6750 West Loop S #430Bellaire, TX 77401(713) 750-9000View Map


2500 West Loop S #210Houston, TX 77027(713) 622-5977View Map

View more agents

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with such as State Farm, AAA, and Liberty Mutual. These agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. They are well trained on their company’s products and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agents in Houston willing to provide price quote information.


1510 Eldridge Pkwy #108Houston, TX 77077(281) 759-4300View Map


13618 Bellaire Blvd, Ste E5Houston, TX 77083(281) 498-6800View Map


10103 Fondren Rd #150Houston, TX 77096(832) 431-4222View Map

View more agents

Picking the best insurance agent shouldn’t rely on just the premium amount. These are valid questions to ask:

Choosing the best Sierra insurance in Texas is an important decision

Despite the fact that insurance is not cheap in Houston, insurance may not be optional for several reasons.

The benefits of having insurance more than cancel out the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $700 annually so compare rate quotes at least once a year to help ensure money is not being wasted.

Affordable insurance is out there

We just covered a lot of techniques to find affordable GMC Sierra insurance in Houston. The most important thing to understand is the more you quote Houston auto insurance, the better chance you’ll have of finding affordable Houston auto insurance quotes. You may even discover the most savings is with a small mutual company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Some companies do not provide the ability to get a quote online and these small, regional companies only sell coverage through independent agencies. The cheapest GMC Sierra insurance in Houston is definitely available both online and from local insurance agents, so compare prices from both to have the best rate selection.

Additional information can be found on the following sites: