Buying cheap auto insurance for a GMC Sierra in South Carolina hinges on a complicated formula that considers factors such as your marital status, if you have recent claims, and if you have a history of accidents. Drivers pay around $1,029 annually to insure their Sierra, but that is an estimate calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
The issue that arises when projecting rates is that it's very likely that you aren't exactly 50 years old or even a female, single instead of married, or maybe you just want different deductibles. Have just a small change in rating criteria could end up with a large change in the price of a policy.
Insurance is an individual thing, so the only way to find the cheapest insurance price for your GMC is to do your own rate comparisons.
The trim level of your vehicle will influence the annual cost of coverage, so the price you pay to insure a Sierra SLE Regular Cab 2WD will be $184 cheaper than the price to insure the higher-end Sierra Denali Crew Cab 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$204||$368||$320||$18||$96||$1,006||$84|
|Sierra SL Extended Cab 2WD||$204||$368||$320||$18||$96||$1,006||$84|
|Sierra SLE Crew Cab 2WD||$204||$368||$320||$18||$96||$1,006||$84|
|Sierra SL Crew Cab 2WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLE Crew Cab 2WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLE Regular Cab 4WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLE Extended Cab 4WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLE Crew Cab 4WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLT Extended Cab 2WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SL Crew Cab 4WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLT Extended Cab 4WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLT Crew Cab 2WD||$230||$434||$320||$18||$96||$1,098||$92|
|Sierra SLT Crew Cab 4WD||$256||$500||$320||$18||$96||$1,190||$99|
|Sierra Denali Crew Cab 2WD||$256||$500||$320||$18||$96||$1,190||$99|
|Sierra Denali Crew Cab 4WD||$256||$500||$320||$18||$96||$1,190||$99|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can alter auto insurance rates greatly.
South Carolina auto insurance companies ranked
Picking the highest-rated auto insurance provider can be rather challenging considering how many different companies there are to choose from in South Carolina. The information in the lists below can help you analyze which car insurance companies you want to consider purchasing a policy from. The ratings below are for companies with a nationwide focus, so companies that have a smaller presence are not included in the list.
Top 10 Major Auto Insurance Companies in South Carolina Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Companies in South Carolina Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
- Titan Insurance
Top Companies for GMC Sierra Insurance in South Carolina
Discounts on South Carolina insurance rates
Auto insurance companies that sell policies for a GMC Sierra may also give you policy discounts that could reduce prices by 25% or more if you meet the requirements. Popular auto insurance companies and the discounts they provide are shown below.
- GEICO discounts include emergency military deployment, air bags, federal employee, membership and employees, seat belt use, multi-vehicle, and good student.
- USAA policyholders can earn discounts including family discount, loyalty savings, annual mileage, new vehicle, multi-policy, and good student.
- Progressive offers premium reductions for homeowner, multi-vehicle, continuous coverage, good student, multi-policy, online quote discount, and online signing.
- American Family may include discounts for early bird, multi-vehicle, mySafetyValet, accident-free, and Steer into Savings.
- Esurance has discounts for anti-lock brakes, Switch & Save, multi-policy, safety device, and multi-car.
- Farmers Insurance includes discounts for switch companies, mature driver, pay in full, alternative fuel, and electronic funds transfer.
- State Farm has savings for accident-free, multiple autos, student away at school, multiple policy, and good student.
The example below visualizes the comparison of insurance costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no claims, South Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, passive restraint, defensive driving course, safe-driver, vehicle safety, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a GMC Sierra is 28% or $541.
The information below illustrates how your choice of deductibles can affect insurance premiums when quoting cheap insurance for a GMC Sierra in South Carolina. The premiums assume a single female driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower rates by $376 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $568 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, have the ability to save as much as $962 or even more by using a higher deductible.
If you do decide to increase your deductibles, it will be important to have additional funds in a savings account to satisfy the extra out-of-pocket expense that is associated with using high deductibles.
How to find budget-friendly car insurance for a GMC Sierra
The list below details some money-saving ideas that can help drivers locate cheaper coverage.
- Drive vehicles with five-star safety ratings
- Pay less by remaining claim-free
- Save money by insuring older vehicles for liability only
- Raise physical damage deductibles
- Increase your credit rating
- Save money by insuring your home and auto with the same company
- Compare rates regularly and switch companies to save money
The last tip is certainly critical, as was affirmed in this write-up. Coverage prices can change considerably in a year, so you should be ready to switch companies if you find a better deal. Staying with the same car insurance company is fine, but we do not recommend it if that loyalty ends up costing a lot of money. Now is a great time to compare prices to find cheaper insurance for a GMC Sierra.