Finding affordable car insurance for a GMC Sierra in California is pretty easy for most people, but it depends on lots of different factors such as whether you are married, the size of your vehicle, and any past driving violations you may have had. California drivers pay approximately $1,524 annually to insure their Sierra, but that amount is an approximation using a 40-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
Odds are that you aren't exactly 40 years old or even a female, possibly single instead of married, or maybe you prefer higher deductibles. Not every driver requires the same auto insurance coverages, so the best method for finding the cheapest insurance price for your GMC is to compare as many rates as you can.
The trim level of your GMC can impact the annual cost of coverage, so the price you will pay to insure a Sierra SLE Regular Cab 2WD model will be $276 cheaper than the cost to insure the more well-appointed Sierra Denali Crew Cab 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$294||$564||$464||$28||$138||$1,488||$124|
|Sierra SL Extended Cab 2WD||$294||$564||$464||$28||$138||$1,488||$124|
|Sierra SLE Crew Cab 2WD||$294||$564||$464||$28||$138||$1,488||$124|
|Sierra SL Crew Cab 2WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLE Crew Cab 2WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLE Regular Cab 4WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLE Extended Cab 4WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLE Crew Cab 4WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLT Extended Cab 2WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SL Crew Cab 4WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLT Extended Cab 4WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLT Crew Cab 2WD||$332||$664||$464||$28||$138||$1,626||$136|
|Sierra SLT Crew Cab 4WD||$370||$764||$464||$28||$138||$1,764||$147|
|Sierra Denali Crew Cab 2WD||$370||$764||$464||$28||$138||$1,764||$147|
|Sierra Denali Crew Cab 4WD||$370||$764||$464||$28||$138||$1,764||$147|
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in specific zip code location which can change auto insurance rates substantially.
Comparing quotes for affordable car insurance is not the easiest thing to accomplish, and determining which company quotes the best insurance rates for a GMC Sierra may require more quotes for comparison. Every car insurance company uses different criteria for filing rates in each state, so let's take a look at the lowest cost insurance companies in San Jose, CA.
Best Auto Insurance Prices for Your Truck
|Rank||Company||Cost Per Year|
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USAA normally has some of the cheapest car insurance rates in San Jose at around $1,109 a year. This is $542 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also qualify as some of the cheapest San Jose, CA auto insurance companies.
As shown in the table above, if you buy coverage from Nationwide and switched to Century National, you may see a yearly savings of around $48. Insureds with CSAA might save as much as $56 a year, and 21st Century policyholders might lower prices by $160 a year.
To see if your current coverage is too expensive, click here to start your custom quote or click several companies below for low rates.
These policy prices are averages across all types of insureds and vehicles and are not factoring in an exact zip code location for a GMC Sierra. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
How accidents and violations affect rates
One of the best ways to earn the most affordable insurance premiums in San Jose for a Sierra pickup is to drive safely and avoid accidents and traffic violations. The diagram below shows how traffic citations and accidents increase annual premium costs for different age groups. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance per year with no violations or accidents is $2,341. Factor in one speeding ticket and the average cost increases to $2,640, an increase of $299 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a GMC Sierra increases to an average of $3,478. That's an increase of $1,137, or $95 per month, just for not being attentive to the road!
The illustration below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for a GMC Sierra. The costs are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could lower their car insurance rates by $420 a year by switching from a $100 deductible up to a $500 deductible, or save $634 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, can save up to $1,042 each year just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it is important to have enough savings set aside to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
How to get discounts on San Jose car insurance rates
Insurance companies that provide coverage for a GMC Sierra may also provide policy discounts that can reduce rates by as much as 25% or more if you can meet the requirements. Large insurance companies and a selection of discounts are:
- Progressive may offer discounts for online quote discount, continuous coverage, multi-policy, homeowner, and online signing.
- SAFECO offers discounts for anti-lock brakes, anti-theft, teen safety rewards, bundle discounts, and teen safe driver.
- American Family policyholders can earn discounts including mySafetyValet, good driver, early bird, accident-free, and good student.
- MetLife offers discounts including multi-policy, good student, claim-free, defensive driver, good driver, and accident-free.
- GEICO has discounts for daytime running lights, emergency military deployment, air bags, seat belt use, multi-policy, multi-vehicle, and military active duty.
- The Hartford offers premium reductions for bundle, vehicle fuel type, driver training, air bag, and good student.
The information below visualizes the comparison of insurance premiums with and without policy discounts. The premiums are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, accident-free, homeowner, multiple policy, marriage, and claim-free discounts applied. When discounts are factored in, the average amount saved each year on insurance for a GMC Sierra is 28% or $785.