Finding affordable coverage for a GMC Sierra in California is pretty simple for most people to do, but it hinges on a fairly complex equation with a lot of factors such as whether you use your Sierra for business use, your credit rating, and your motor vehicle report. California drivers pay on average $1,680 each year for Sierra insurance, but that is based upon a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you’re not a 40-year-old female, possibly single instead of married, or maybe you rent instead of own your home. Even a minor change in rating variables or coverage information can make a large difference in how much coverage for a GMC Sierra costs.
Everyone has unique insurance needs, and this illustrates why the best method for finding cheap auto insurance rates for your GMC is to do the rate comparisons yourself. To cut your rates now, get a free quote and you will receive price comparisons from some of the most affordable companies in California.
Your vehicle’s trim level tends to have a direct effect on the coverage cost, so the price you will pay to insure a Sierra SLE Regular Cab 2WD will be $326 lower than the cost to insure the more expensive Sierra Denali Crew Cab 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$326||$672||$464||$28||$138||$1,628||$136|
|Sierra SL Extended Cab 2WD||$326||$672||$464||$28||$138||$1,628||$136|
|Sierra SLE Crew Cab 2WD||$326||$672||$464||$28||$138||$1,628||$136|
|Sierra SL Crew Cab 2WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLE Crew Cab 2WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLE Regular Cab 4WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLE Extended Cab 4WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLE Crew Cab 4WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLT Extended Cab 2WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SL Crew Cab 4WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLT Extended Cab 4WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLT Crew Cab 2WD||$370||$792||$464||$28||$138||$1,792||$149|
|Sierra SLT Crew Cab 4WD||$412||$912||$464||$28||$138||$1,954||$163|
|Sierra Denali Crew Cab 2WD||$412||$912||$464||$28||$138||$1,954||$163|
|Sierra Denali Crew Cab 4WD||$412||$912||$464||$28||$138||$1,954||$163|
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific San Diego garaging location which can increase or decrease premiums greatly.
Selecting the highest-rated insurer is difficult considering how many companies are available to choose from in San Diego. The rank data in the lists below can help you decide which auto insurers you want to consider when comparing rates. These rankings are only comprised of companies who write in the majority of U.S. states, so smaller companies are not included in the list.
Top 10 Major Auto Insurers in San Diego Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Auto Insurers in San Diego Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Careless San Diego drivers pay higher rates
One of the best ways to find cheap auto insurance premiums for a Sierra pickup is to drive safe and avoid at-fault accidents and violations. The illustration below illustrates how traffic citations and fender-benders raise car insurance costs for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $2,263. Get two speeding tickets and the average cost jumps to $3,127, an increase of $863 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for a GMC Sierra increases to an average of $3,998. That’s an increase of $1,734, or $145 per month, just for not being attentive to the road!
Why you should compare rates
San Diego, CA auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. Simply having another birthday, buying another vehicle, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper than competitors.
Not only that, but companies file new rates as needed to adjust for gains or losses. Significantly higher claims may cause a rate increase, while a better loss history can produce cheaper Sierra insurance rates.
As an example, the bar chart below shows the cheapest car insurance in San Diego, CA for a 45-year-old male driver with no accidents or violations, and great credit. When comparing rates based on his personal profile, USAA quotes the best car insurance rates in San Diego at $1,117 per year. This is $534 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA round out the rest of the best San Diego, CA auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident claim, bad credit, and a traffic citation. Since every insurance provider has a proprietary method to determine rates, comparing rates could result in a different list of companies as shown below.
Grange now has the cheapest rate in San Diego with Progressive, Allstate, Mercury, and GEICO completing the list. This example demonstrates why consumers need to take the time to perform an extensive rate comparison to find the most budget-friendly insurance quotes for a GMC Sierra.
Auto insurance prices are determined by many different factors and can increase or decrease at any time, so the most economical option when you bought your policy may now be an over-priced policy.