Best Car Insurance for GMC 2022
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The GMC (General Motors Corporation) automobile brand is known for its trucks and SUV cars. It's a classic American brand that stands for dependability, integrity, and strength. GMC is the only major automaker to back every single vehicle it builds with a five-year/100,000-mile limited powertrain warranty. This leads to the question: how much should your insurance premiums be?
GMC drivers pay an average of $1,513 each year for car insurance. But, as with all insurance plans, rates vary by the model you choose. For instance, you will pay $2,215 less each year in insurance premiums with a Canyon SLT than you will with a Denali.
Here's what drivers pay when they switch with Carlay
Here are some actual customer quotes from people who saved money when insuring their GMC:
|Quote Date||Car||City, State||Zip Code||Age||Carrier||BeforeCarlay||AfterCarlay|
|August 16, 2022||GMC Sierra K1500 Elevation||San Angelo, TX||76904||38||Nationwide||$132/mo.||$87/mo.|
|September 6, 2022||GMC Sierra C1500 SLT||College Grove, TN||37046||36||Metlife||$235/mo.||$92/mo.|
|September 14, 2022||GMC New Sierra C1500||Diboll, TX||75941||20||Safeco||$186/mo.||$135/mo.|
|June 6, 2022||GMC Acadia SLE||Crawfordville, GA||30631||39||Electric||$330/mo.||$148/mo.|
|October 3, 2022||GMC Yukon SLT||Waxahachie, TX||75165||35||Mercury||$279/mo.||$181/mo.|
Best insurance carriers for your GMC
- Pricing and Reviews
The premiums you pay for car insurance will vary from company to company and depend on your driving history, age, gender, and location. Since each insurer weighs the significance of factors differently, your insurance rates could vary greatly between insurers—even for the same coverage.
If you'd like to save some money on your GMC coverage next year, consider Aspire Advantage, with a $1,144 premium.
Other preferred carriers for GMC include the following:
Nationwide is a good choice for safe, tech-savvy drivers with a cosigner. Their robust online platform and mobile app earn them a 4.6/5 rating from Carlay. The company offers a wide variety of car insurance products and services to individual customers. Their rates are also extremely competitive and customer satisfaction is very high. Plus, their representatives will never hassle you with constant phone calls and the like.
Progressive is one of the biggest names in the car insurance industry. The company offers a vast range of products, from standard coverages, to policies for specialized types of drivers like business owners and new parents. Thanks to its popularity, Progressive gets an A+ from the Better Business Bureau and a 4.6 rating from Carlay.
If you've had a lapse in your insurance coverage or have been convicted of an alcohol-related offense such as driving under the influence (DUI), you have to file an SR22 form with your auto insurance company. If that's the case, you should turn to Kemper. An SR22 certificate is a form filed to the state and your car insurance carrier that proves you have stable and proper automotive insurance coverage.
With Safeco, you'll get a policy that's easy to understand and use, plus great customer service that makes it easy to choose their auto insurance. Be sure to check out their app for easy claim reporting and 24/7 roadside assistance. Their claims-free cashback program can give you a small refund for every 6 months that you remain claims-free, making them a good choice for young drivers in particular. And Carlay is thrilled to give Safeco a 4.5/5.
Allstate offers an excellent selection of car insurance, as well as great features to help you save money. The company is one of the most well-known carriers in the industry and has a large network of agents and repair shops across the U.S., making it easy to file a claim when necessary. Allstate also offers plenty of digital features including a rate calculator, mobile app, online bill payment, and online claim reporting. Carlay gives Allstate a 4.5 out of 5 on its rating scale.
Travelers allows for flexibility in how you use your insurance, including the option to use it for personal car use or commercial vehicles. Optional add-ons are available from Travelers to help lower premiums, such as new car coverage and accident forgiveness. Their discounts help good students and safe drivers save on their insurance premiums. Travelers receives a 4.7/5 rating from Carlay based on their customer service and ease of claim process.
State Auto's online filing is a nice option for safe, experienced drivers. The company has a wide variety of coverage options, allowing you to customize your insurance to your needs, and offers discounts for multiple vehicles, good student grades and military service. Carlay gives State Auto 4.1 out of 5 stars.
When you drive, it's essential to have good car insurance. The right coverage protects you, your passengers and your finances. National General specializes in insurance for high-risk drivers. With a claims satisfaction guarantee in most states, it also promises to waive your deductible up to $250 if you're not happy with your claims experience. Carlay has a 4.1/5 rating for National General.
Dairyland is your number one choice for auto insurance. It offers the most complete coverage at great rates with industry leading service and 24/7 claims support. With Dairyland, you will receive flexible payment plans and options like Accident Forgiveness or a New Car Replacement. Dairyland not only offers you the lowest prices on your auto insurance in the state of Colorado, but also multiple ways to make your life easier. Carlay gives National General a 4.6/5 rating.
Clearcover goes above and beyond other online car insurance providers by placing a large emphasis on their customer service. The company has an award-winning mobile app that allows you to select your car's make and model, your dates of travel, and the number of drivers who will be riding with you while you're out of town. From there, the app estimates the final bill for your trip and provides a link through which you can file any claims that might apply. Carlay has a 4.1/5 rating for Clearcover.
- How to compare prices to find the most affordable coverage
Most insurance companies have their own complicated calculations for insurance premiums. So, it's important to avoid comparing apples with oranges - the best way to compare two policies is to look at whether they both offer the same coverage.
You often can save money buying a policy that has high deductibles and limited coverage, but these policies typically won't cover the long-term costs of accidents. Generally speaking, you get what you pay for in life, and insurance is no exception. So don't be enticed by the cheapest option, it very likely won't be best in the long run.
Getting a quote from an insurance company is usually a pain. You gotta fill out boring forms, get one or two quotes, and then visit another website to get the actual quote. But if you're looking for an easy way to get multiple quotes in minutes, we're here for you!
Carlay provides easy, free quotes from multiple insurance carriers so you can compare prices and coverage. The Carlay app is made by licensed brokers who help you through the process of purchasing insurance. They can offer you affordable quotes, help you switch your plan, and even cancel your old policy when you're ready.
When you switch to Carlay for car insurance, you'll save an average of $879 each year .
|Rank||Company name||Avg. Annual Premium|
Carlay is an innovative insurance comparison app that helps you find the coverage you need; fast and easy. It only takes a few minutes to compare deals and even allows you to save your preferred policies so you can quickly compare them in the future.
Cost of insuring a GMC
- Cost of insuring with minimum coverage and full coverage
The average annual insurance premium for a Ford is $1,791 per year, while the average annual insurance premium for full-coverage is $2,287. For a minimum policy, the average car insurance premium in the USA is $1,783 per year and for a full-coverage policy, it's $2,485.
Your insurance premium for your Kia will vary depending on the coverage you select. Remember that states have minimum insurance requirements you must meet. State law requires these types of insurance:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
It's usually a good idea to purchase the additional insurance coverage, especially if the costs of a minor accident can otherwise be devastating. Even if you are not at fault for an accident, being uninsured can result in thousands of dollars worth of damage and medical bills. You will be responsible for paying these costs.
When you lease or finance a GMC, you may be required to purchase insurance with full coverage. Full coverage is also a good idea if you can't afford to replace the vehicle in the event of a total loss.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Here's what you'll pay for your vehicle with minimum and maximum coverage from Carlay.
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,350|
|All Coverage AfterCarlay||$1,491|
|Minimum Coverage BeforeCarlay||$2,132|
|Minimum Coverage AfterCarlay||$1,172|
|Full Coverage BeforeCarlay||$2,702|
|Full Coverage AfterCarlay||$1,718|
- Cost of insuring based on age and driving record
There are two primary factors in determining your car insurance rate. Your age, and your driving record. As you gain more experience and get older, your premium will go down. Young drivers are more likely to get into car accidents, so they pay more for car insurance.
If you get a traffic violation, you may end up paying higher insurance premiums. But if you are convicted of a serious offense like driving under the influence, your insurer can increase your premium substantially, and it will remain on your driving record for ten years.
Not to worry! If you continue to drive safely and avoid incidents, you can expect to save money on your car insurance premiums. Here's how accidents or violations can affect the insurance costs of a GMC, by age:
- Cost of insuring popular models
Owning a Gmc can substantially raise your car insurance rates. The higher rate is attributable to the cost of repairs and replacements on a particular model. Because more expensive cars generally cost more to repair and replace in the case of an accident, you will pay higher premiums for insurance on these vehicles.
From minivans to sports cars, Carlay will make sure you're covered for the best price possible.
Carlay is an insurance brokerage firm that handles all the hard work of getting you cheap car insurance from multiple companies. Simply fill out our simple, one page quote form and we will get you competitive quotes from the top insurance companies. Combine these quotes with our no obligation purchasing service and save yourself time and money on your next car insurance purchase. Carlay users save an average of $879 on car insurance every year.
You can get an overview of a range of car insurance quotes if you visit the sites below.
- Cost of insuring your GMC by year
Most and least expensive years of car
New cars might be beautiful and shiny and clean, but they won't get you the lowest insurance rate. Thanks to a phenomenon called depreciation, older cars tend to have lower insurance premiums. You want to protect your investment and be covered in case of an accident or fire.
Edmunds estimates that a new car loses 23.5% of its value in the first year, 60% in the first five years, and, the less your car is worth (the newer it is), the less it costs to repair or replace it if you need to make a claim. So, basically money saved for you.
If you decide to finance your car, you may be required to buy full coverage insurance. Full coverage insurance helps protect you and your lender while the loan is paid off. Your monthly payment includes your loan payments plus your insurance premiums. The data shows that 1991 and 1994 are the cheapest years for GMCs. They're also fun to drive! 2018 and 2021 are the most expensive years for BMWs.
|Year||Average Cost||Annual Savings withCarlay|
Older GMCs are less expensive to repair or replace than newer ones and are usually leased or financed, which can make them less expensive to insure.
- Cost of insuring a GMC in your city
In the same way that some areas of the country have a higher frequency of accidents, crimes, and severe weather events than others, insurance premiums in those areas are typically higher as well. This means that even within the same state, you'll find a range of different premiums for the same coverage on the same vehicle.
To insure your car, the insurance company examines statistics for cities with hazardous weather or crime conditions. If your city has a lot of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
A number of cities across the United States have high numbers of GMC owners, including Jacksonville (FL), Tucson (AZ), Bailey (NC), Houston (TX) and Ocala (FL). For those who drive GMC vehicles, the cheapest car insurance rates are in Castle Rock (CO) and Warsaw (MO). The most expensive car insurance rates are in The Bronx (NY) and Carriere (MS).
|City||Average Cost||Annual Savings withCarlay|
If you live in a region with high rates of theft, collisions, or severe weather events, you're likely to pay more for your car insurance.