Who Has the Cheapest Auto Insurance for a GMC Sierra in San Antonio?

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GMC Sierra insurance
GMC Sierra insurance image courtesy of QuoteInspector.com

Finding economical car insurance for a GMC Sierra in Texas is pretty easy for most people to do, but it is dependent upon many rating criteria such as whether you are married, your profession, and your choice of deductibles. Drivers will pay around $1,449 a year for Sierra insurance, but that figure is a projection calculated using a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.

But there is a high likelihood that you're not a 40-year-old female, maybe you are single instead of married, or maybe you rent instead of own your home. The different assumptions illustrate why the best method for finding cheap auto insurance rates for your GMC is to do a thorough rate comparison. Quotes only take a few minutes and you will be able to compare rates from some of the best insurers that sell coverage in Texas.

Cheapest GMC Sierra Insurance Rates

The specific model of Sierra has an effect on price, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $280 cheaper than the cost to insure the high end Sierra Denali Crew Cab 4WD model, as demonstrated by the prices below.

GMC Sierra Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $282 $580 $400 $24 $120 $1,406 $117
Sierra SL Extended Cab 2WD $282 $580 $400 $24 $120 $1,406 $117
Sierra SLE Crew Cab 2WD $282 $580 $400 $24 $120 $1,406 $117
Sierra SL Crew Cab 2WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLE Crew Cab 2WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLE Regular Cab 4WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLE Extended Cab 4WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLE Crew Cab 4WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLT Extended Cab 2WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SL Crew Cab 4WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLT Extended Cab 4WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLT Crew Cab 2WD $318 $684 $400 $24 $120 $1,546 $129
Sierra SLT Crew Cab 4WD $354 $788 $400 $24 $120 $1,686 $141
Sierra Denali Crew Cab 2WD $354 $788 $400 $24 $120 $1,686 $141
Sierra Denali Crew Cab 4WD $354 $788 $400 $24 $120 $1,686 $141
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific San Antonio garaging location which can change coverage rates noticeably.

Finding reliable, cheap car insurance is not the easiest thing to do, and deciding which insurers offer the cheapest car insurance rates for a GMC Sierra takes even more diligence.

Every insurance provider uses a little different formula for filing rates in each state, so let's rank the most budget-friendly car insurance companies in San Antonio, TX. We do need to point out that San Antonio car insurance rates are based on many factors that can increase the price you have to pay for coverage. That is why consumers need to take the time to shop around when trying to find the most budget-friendly car insurance rates for a GMC Sierra. Car insurance prices are made up of many risk factors and can change without notice, so the best option when you last compared rates may now be an over-priced policy.

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,438
7 State Farm $1,495
8 Mercury $1,506
9 Safe Auto $1,565
10 Nationwide $1,585
11 Progressive $1,698
12 Allstate $1,718
13 Amica $1,757
14 Home State $2,071
15 GEICO $2,156
16 MetLife $2,161
17 Unitrin $2,264
18 Encompass $2,324
19 21st Century $2,469
20 Titan $2,594
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Travelers generally has some of the most affordable car insurance rates in San Antonio at around $1,052 each year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the more affordable San Antonio, TX auto insurance companies.

In this example, if you buy coverage from Texas Farm Bureau and switched to Travelers, you could see a yearly savings of around $159. Customers with Germania Mutual could save as much as $242 a year, and Esurance customers might reduce rates by $313 a year.

Remember that these prices are averages across all ages of drivers and types of vehicles and do not take into consideration an exact location for a GMC Sierra. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.

Cost difference between full coverage and liability

Buying cheaper car insurance should be important to most people, and one common way to lower the cost of insurance for a GMC Sierra is to not insure for full coverage. The example below illustrates the comparison of insurance premiums with and without physical damage coverage. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

Averaged out for all age groups, physical damage coverage costs an additional $2,154 per year over liability only. That is a large expense which might make you wonder if physical damage coverage is worth the money. There is no written rule for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's assume your vehicle's settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after you pay the deductible. If premiums are more than $800 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some scenarios where removing full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Here's why price comparisons are so important

San Antonio car insurance rates are impacted by many things that control the price of your policy. Simply getting older, buying a new vehicle, or getting a reckless driving citation can produce rate changes that can now make some companies more affordable than competitors.

In addition, insurers modify pricing as often as every three months to adjust for heavy claims or excess profits. Heavy losses can cause increased policy costs, while a better claims history may result in lower-priced Sierra insurance rates.

The graph below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 40-year-old female driver with no accidents or violations, and a decent credit rating. If we look at prices based on her current rating profile, Travelers might offer the lowest car insurance rates in San Antonio at $1,184 a year. This is $720 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty are also on the list of the cheapest San Antonio, TX auto insurance companies.

The chart below compares rates after we give the driver in the first example a couple of claims, a little lower credit rating, and a few blemishes on her driving record. Due to the fact that each insurance company uses a different method for establishing rates, analyzing rates may result in a new list of affordable San Antonio car insurance companies as shown below.

State Farm now has the cheapest insurance rate in San Antonio, TX with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This demonstrates why San Antonio drivers need to compare as many rates as possible to find affordable car insurance rates for a GMC Sierra.

Car insurance prices are made up of many factors and change substantially, so the cheapest rate six months ago may now be costing you a lot of money.