Who Has Cheap Oklahoma City Auto Insurance for a GMC Sierra?

Finding affordable auto insurance for a GMC Sierra relies on a whole bunch of factors such as your financial responsibility, your credit score, and citations or violations on your driving record. Drivers in Oklahoma pay approximately $1,490 each year for Sierra insurance, but that amount is an approximation calculated based on a 50-year-old married female driver with full physical damage coverage and $100 deductibles.

It’s highly likely you are not 50 and maybe not even a female, possibly single instead of married, and maybe you want higher deductibles. Each driver’s needs are different, and that demonstrates why the only real way to find cheap insurance rates for your GMC is to just compare rates yourself. Quotes are free and you will get price quotes from top-rated companies that insure GMC vehicles in Oklahoma.

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The trim level of your GMC has an effect on the cost of insurance, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD model will be $282 cheaper than the cost to insure the high end Sierra Denali Crew Cab 4WD trim level, as shown in the prices below.

GMC Sierra Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $298 $578 $422 $24 $126 $1,448 $121
Sierra SL Extended Cab 2WD $298 $578 $422 $24 $126 $1,448 $121
Sierra SLE Crew Cab 2WD $298 $578 $422 $24 $126 $1,448 $121
Sierra SL Crew Cab 2WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLE Crew Cab 2WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLE Regular Cab 4WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLE Extended Cab 4WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLE Crew Cab 4WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLT Extended Cab 2WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SL Crew Cab 4WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLT Extended Cab 4WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLT Crew Cab 2WD $336 $682 $422 $24 $126 $1,590 $133
Sierra SLT Crew Cab 4WD $374 $784 $422 $24 $126 $1,730 $144
Sierra Denali Crew Cab 2WD $374 $784 $422 $24 $126 $1,730 $144
Sierra Denali Crew Cab 4WD $374 $784 $422 $24 $126 $1,730 $144
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can decrease or increase coverage prices greatly.

Ending up with the right company can be difficult considering how many companies provide coverage in Oklahoma City. The information shown next can help you analyze which car insurance providers to look at when shopping car insurance rates for a GMC Sierra. The ratings below include the companies with a significant amount of written premium nationwide, so companies that focus mainly on Oklahoma business are not taken into consideration for the list.

Top 10 Large Auto Insurance Companies in Oklahoma City Ranked by A.M. Best Rating

  1. Travelers – A++
  2. GEICO – A++
  3. State Farm – A++
  4. USAA – A++
  5. Nationwide – A+
  6. Allstate – A+
  7. Mercury Insurance – A+
  8. The Hartford – A+
  9. Esurance – A+
  10. Progressive – A+

The information below illustrates how choosing a deductible can increase or decrease premium costs when searching for cheap insurance for a GMC Sierra. The prices are based on a single male driver, full coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could save $580 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $872 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut as much as $1,702 or more by selecting a higher deductible. When choosing a higher deductible, it is essential to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

The benefit of shopping around

Oklahoma insurance rates are impacted by many things which can significantly increase or decrease the price of your policy. Simply having another birthday, moving across town, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than others. Additionally, car insurance companies file new rates multiple times each year to adjust for gains or losses. Larger than normal claims may cause higher prices, while profitable underwriting can cause cheaper Sierra insurance rates.

To illustrate this point, the graph below shows which company has the cheapest car insurance in Oklahoma City, OK for a 40-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we estimate rates based on her current rating profile, Oklahoma Farmers Union quotes the best car insurance rates in Oklahoma City at $1,307 a year. This is $660 less than the average policy premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto are also on the list of the cheapest Oklahoma City, OK auto insurance companies.

Let’s now give the driver from the first set of rates a chargeable accident, a lower credit rating, and a few blemishes on her driving record. Since each auto insurer has a different formula to set their prices, analyzing rate quotes may now result in a new list of companies as shown below.

State Farm now has the best car insurance rate in Oklahoma City with USAA, Liberty Mutual, Travelers, and The Hartford also being competitive. This demonstrates why consumers need to take the time to compare rates when trying to get the best car insurance quotes for a GMC Sierra. Auto insurance prices can be determined by many risk factors and change dramatically, so the most affordable company the last time you shopped your coverage around may now be wasting a lot of money.

How to find more affordable auto insurance for a GMC Sierra

Lowering your rates is not difficult, and here are a few thrifty ideas that can help Oklahoma City drivers buy lower-cost auto insurance.

The last idea is very important, as was discussed in this write-up. Coverage prices can change in a short period of time, so you should be ready to buy from a different company if you can find a cheaper rate. Many drivers prefer to stick with one company, but we do not recommend it if that stubbornness costs you hundreds of dollars a year. Take a couple minutes and shop around to find cheaper car insurance for a GMC Sierra in Oklahoma City.