Finding competitive car insurance for a GMC Sierra hinges on a large number of rating criteria such as miles driven annually, whether you are claim-free, and your choice of deductibles. Kentucky drivers will pay around $1,144 annually for Sierra insurance, but that figure is based upon a 30-year-old married female driver with full physical damage coverage and $250 deductibles.
But there is a good chance that you’re not a 30-year-old female, single instead of married, or maybe you just want different deductibles. Just a very minor change in rating criteria or coverage limits could end up with a large change in the price of coverage.
Not everyone needs the same coverages, so the way we recommend to find cheap car insurance rates for your GMC is to just compare rates yourself.
Compare GMC Sierra Insurance Rates
Vehicle trim level can impact the insurance rate, so the price to insure a Sierra SLE Regular Cab 2WD will be $214 less than the insurance cost for the higher-priced Sierra Denali Crew Cab 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$244||$416||$334||$20||$100||$1,114||$93|
|Sierra SL Extended Cab 2WD||$244||$416||$334||$20||$100||$1,114||$93|
|Sierra SLE Crew Cab 2WD||$244||$416||$334||$20||$100||$1,114||$93|
|Sierra SL Crew Cab 2WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLE Crew Cab 2WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLE Regular Cab 4WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLE Extended Cab 4WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLE Crew Cab 4WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLT Extended Cab 2WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SL Crew Cab 4WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLT Extended Cab 4WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLT Crew Cab 2WD||$276||$490||$334||$20||$100||$1,220||$102|
|Sierra SLT Crew Cab 4WD||$308||$566||$334||$20||$100||$1,328||$111|
|Sierra Denali Crew Cab 2WD||$308||$566||$334||$20||$100||$1,328||$111|
|Sierra Denali Crew Cab 4WD||$308||$566||$334||$20||$100||$1,328||$111|
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in specific location which can lower or raise premiums significantly.
Finding good, low-cost car insurance is not easy, and figuring out which insurers offer the cheapest insurance rates for a GMC Sierra takes even more diligence. Each auto insurance company uses their own formula for determining rates in each state, so to begin we’ll rank the insurance companies with the overall best prices in Kentucky.
Cheapest Insurance Rates for Your Truck
|Rank||Company||Cost Per Year|
|2||Kentucky Farm Bureau||$1,139|
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Cincinnati Insurance generally has some of the lowest car insurance rates in Lexington at around $1,126 each year. This is $1,017 less than the average premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also be considered some of the cheaper Lexington, KY auto insurance companies.
In the rate table above, if you are a customer of Auto-Owners and switched to Cincinnati Insurance, you may see yearly savings of in the vicinity of $245. Policyholders with Motorists Mutual could save as much as $427 a year, and Grange Mutual customers might lower prices by $483 a year.
Be aware that those premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific zip code for a GMC Sierra. So the insurer that fits your age and vehicle best may not even be in the top 21 companies in the list above. That is why you need to get rate quotes using your own personalized driver profile and vehicle information.
How to get discounts on Lexington car insurance
Insurance providers that sell policies for a GMC Sierra may additionally offer price discounts that may potentially lower prices by 40% or more if you meet eligibility requirements. A list of companies and a selection of discounts are outlined below.
- GEICO may include discounts for military active duty, defensive driver, multi-policy, anti-theft, multi-vehicle, and anti-lock brakes.
- USAA policyholders can earn discounts including multi-vehicle, good student, new vehicle, loyalty savings, and annual mileage.
- Progressive has discounts for multi-vehicle, homeowner, online signing, multi-policy, and continuous coverage.
- American Family has savings for multi-vehicle, good student, bundled insurance, TimeAway discount, and defensive driver.
- Esurance offers discounts for emergency road assistance, paid-in-full, claim free, good student, and homeowner.
- Farmers Insurance may offer discounts for good student, pay in full, switch companies, homeowner, mature driver, alternative fuel, and electronic funds transfer.
- State Farm discounts include good driver, Drive Safe & Save, multiple autos, defensive driving training, student away at school, driver’s education, and safe vehicle.
The diagram below shows the comparison of insurance rates with and without discounts applied to the premium. The costs are based on a female driver, no driving violations, no at-fault accidents, Kentucky state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, vehicle safety, claim-free, anti-theft, and defensive driving course discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a GMC Sierra is 28% or $634.
Can you find cheaper Sierra insurance?
Lexington, KY insurance rates are influenced by many factors that may substantially change the cost of your policy. Getting older, adding a teenager to your policy, or getting a driving violation can trigger rate changes that can make some companies cheaper than competitors. Not only may things change on your end, but companies file new Kentucky car insurance rates every year to reflect underwriting profits or losses. A period of increased losses can cause higher prices, while lower claims can result in more affordable Sierra insurance rates.
To illustrate this example, the data below analyzes the cheapest car insurance in Lexington, KY for a 45-year-old male driver with no violations or accidents, and good financial standing. If we compare prices based on his current situation, Cincinnati Insurance has the best car insurance rates in Lexington at $1,202 annually. This is $941 less than the average policy premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also included in the best Lexington, KY auto insurance companies.
The chart below compares rates after we give the driver from the first example a couple of claims, a lower credit score, and a speeding ticket. Since each insurance company has a different formula to determine rates, comparing prices could result in a different ranking of the cheapest companies as shown below.
Travelers now has the cheapest car insurance in Lexington with Kentucky Farm Bureau, USAA, State Farm, and Westfield also being competitive. This example illustrates why Lexington drivers need to take the time to shop around when trying to find the lowest insurance quotes for a GMC Sierra.
Auto insurance prices consist of many risk factors and can decrease or increase without notice, so the best option two years ago may now be costing you a lot of money.