Finding competitive car insurance for a GMC Sierra in Florida is pretty straightforward, but it is dependent upon a lot of factors such as how many years you have been driving, if you have a tendency to file claims, and violations on your driving record. Drivers will pay around $1,339 each year for Sierra insurance, but that price is a valuation calculated using a 50-year-old single male driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 50 years old (or even male), possibly married instead of single, or maybe you prefer to not insure for full coverage. Auto insurance requires individual risk assessment, so the only way to find the cheapest coverage for your GMC is to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive rate quotes from top-rated car insurance companies that offer coverage in Florida.
Cheapest GMC Sierra Insurance Rates
The trim level of your GMC tends to have a direct effect on the cost of insurance, so the price to insure a Sierra SLE Regular Cab 2WD trim level will be $218 lower than the insurance cost for the fancier Sierra Denali Crew Cab 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $226 | $452 | $472 | $28 | $142 | $1,320 | $110 |
| Sierra SL Extended Cab 2WD | $226 | $452 | $472 | $28 | $142 | $1,320 | $110 |
| Sierra SLE Crew Cab 2WD | $226 | $452 | $472 | $28 | $142 | $1,320 | $110 |
| Sierra SL Crew Cab 2WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLE Crew Cab 2WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLE Regular Cab 4WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLE Extended Cab 4WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLE Crew Cab 4WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLT Extended Cab 2WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SL Crew Cab 4WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLT Extended Cab 4WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLT Crew Cab 2WD | $254 | $532 | $472 | $28 | $142 | $1,428 | $119 |
| Sierra SLT Crew Cab 4WD | $284 | $612 | $472 | $28 | $142 | $1,538 | $128 |
| Sierra Denali Crew Cab 2WD | $284 | $612 | $472 | $28 | $142 | $1,538 | $128 |
| Sierra Denali Crew Cab 4WD | $284 | $612 | $472 | $28 | $142 | $1,538 | $128 |
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in zip code location which can modify auto insurance rates noticeably.
Selecting a good quality car insurance company can be rather challenging considering how many different companies insure vehicles in Orlando. The company ratings shown next could help you analyze which auto insurers to look at when comparing rates.
These ratings only include the largest auto insurers in America, so companies that have a smaller presence are not included in the list. To compare prices from the most competitive companies in Florida, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The chart below shows how choosing a deductible can impact premium costs when searching for cheap insurance for a GMC Sierra. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could lower rates by $548 a year by switching from a $100 deductible to a $500 deductible, or save $824 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, could potentially save as much as $1,808 or more by using a higher deductible.
When raising deductibles, it will be required to have emergency funds available to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Accidents and violations increase rates
The common sense way to maintain low auto insurance premiums in Florida for a Sierra pickup is to be a cautious driver and avoid tickets and accidents. The example below demonstrates how speeding tickets and at-fault accidents impact insurance rates for each age group. The premiums are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance in Florida per year with no accidents or violations is $2,384. Receive two speeding tickets and the average cost surges to $3,199, an increase of $815 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a GMC Sierra jumps again to an average of $6,254. That’s an increase of $3,870, or $322 per month, just for not being attentive to the road!
Get discount Orlando car insurance rates
Auto insurance companies that sell policies for a GMC Sierra may also give you discounts that could reduce prices by as much as 35% or more if you meet eligibility requirements. Companies and a summarized list of policyholder discounts are shown below.
- Progressive discounts include online quote discount, homeowner, continuous coverage, multi-policy, good student, online signing, and multi-vehicle.
- Farmers Insurance has savings for alternative fuel, youthful driver, teen driver, mature driver, switch companies, and bundle discounts.
- Farm Bureau offers discounts including driver training, multi-policy, multi-vehicle, youthful driver, and safe driver.
- State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, and passive restraint.
- GEICO offers premium reductions for seat belt use, multi-policy, military active duty, five-year accident-free, and anti-theft.
- SAFECO may have discounts that include bundle discounts, multi-car, safe driver, teen safety rewards, accident prevention training, teen safe driver, and drive less.
- Liberty Mutual policyholders can earn discounts including exclusive group savings, new vehicle discount, good student, new graduate, hybrid vehicle, and multi-car.
The example below compares auto insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, defensive driving course, passive restraint, claim-free, multiple vehicle, and accident-free discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for a GMC Sierra is 28% or $781.