Who Has Cheap Car Insurance Rates for a GMC Sierra in Orlando?

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.

GMC Sierra Insurance Rates in Orlando, FL
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
Get Your Own Custom Quote Go

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.

Top Auto Insurance Companies for a GMC Sierra in Florida
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
Compare Rates Now Go

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

Save on auto insurance for a Sierra pickup in OrlandoAuto 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.

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.