Who Has Cheap Insurance for a GMC Sierra in North Dakota?

Who Has Cheap Insurance for a GMC Sierra in North Dakota?

Whether or not you can find affordable car insurance for a GMC Sierra in North Dakota hinges on a complex calculation that is influenced by things such as whether or not you are married, if you are a frequent claim filer, and any driving offenses on your record. Drivers on average pay approximately $720 per year to insure a Sierra, but that cost is a ballpark figure that uses rate data for a 50-year-old married male driver who requires comprehensive and collision coverage and $1,000 physical damage deductibles.

When projecting a rate like this, the problem is that you are not 50 years old and maybe not even male, maybe you are single instead of married, and you might want liability-only or different deductibles. There is no “one size fits all” policy, so the best way to find cheap insurance rates for your GMC is to make a habit of comparing rates at every renewal. It only takes a few minutes and you will receive prices from some of the cheapest companies that insure GMC vehicles in North Dakota.

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Vehicle trim level impacts the yearly cost, so the price you pay to insure a Sierra SLE Regular Cab 2WD model will be $106 cheaper than the insurance cost for the fancier Sierra Denali Crew Cab 4WD model, as shown in the table below.

GMC Sierra Insurance Rates in North Dakota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $112 $210 $290 $18 $88 $718 $60
Sierra SL Extended Cab 2WD $112 $210 $290 $18 $88 $718 $60
Sierra SLE Crew Cab 2WD $112 $210 $290 $18 $88 $718 $60
Sierra SL Crew Cab 2WD $128 $248 $290 $18 $88 $772 $64
Sierra SLE Crew Cab 2WD $128 $248 $290 $18 $88 $772 $64
Sierra SLE Regular Cab 4WD $128 $248 $290 $18 $88 $772 $64
Sierra SLE Extended Cab 4WD $128 $248 $290 $18 $88 $772 $64
Sierra SLE Crew Cab 4WD $128 $248 $290 $18 $88 $772 $64
Sierra SLT Extended Cab 2WD $128 $248 $290 $18 $88 $772 $64
Sierra SL Crew Cab 4WD $128 $248 $290 $18 $88 $772 $64
Sierra SLT Extended Cab 4WD $128 $248 $290 $18 $88 $772 $64
Sierra SLT Crew Cab 2WD $128 $248 $290 $18 $88 $772 $64
Sierra SLT Crew Cab 4WD $142 $286 $290 $18 $88 $824 $69
Sierra Denali Crew Cab 2WD $142 $286 $290 $18 $88 $824 $69
Sierra Denali Crew Cab 4WD $142 $286 $290 $18 $88 $824 $69
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in North Dakota which can affect premium rates greatly.

Auto insurance company ratings

Picking a high-quality insurance provider can be a challenge considering how many companies provide coverage in North Dakota. The ranking data in the next section could help you analyze which auto insurance companies to look at purchasing from. These rankings are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence are not included in this list.

Top 10 Large Auto Insurance Providers in North Dakota Ranked by Claims Service

  1. Progressive
  2. Liberty Mutual
  3. Nationwide
  4. USAA
  5. GEICO
  6. AAA Insurance
  7. Safeco Insurance
  8. Esurance
  9. The General
  10. Allstate

Top Companies for GMC Sierra Insurance in North Dakota

The example below illustrates how choosing a deductible can affect insurance prices when researching cheap insurance for a GMC Sierra. The rates are based on a married female driver, comp and collision included, and no additional discounts are factored in.

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In the chart above, a 30-year-old driver could pocket $336 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $506 by using a $1,000 deductible. Young drivers, like the 20-year-old example, could reduce their rates up to $714 annually by choosing a larger deductible amount. If you make the decision to raise deductibles, it will be required to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Geico, State Farm, Allstate, or Progressive: Who is cheapest?

When researching insurance for a Sierra pickup in North Dakota, four of the larger companies to compare rates for are Geico, State Farm, Allstate, and Progressive. The next table points out some of the different features offered by each one.

Top Auto Insurance Company Ratings
Geico State Farm Allstate Progressive
Handling of Claims 3rd 2nd 1st 4th
Policy Discounts 2nd 3rd 1st 4th
Overall Cost 1st 2nd 4th 3rd
Overall Satisfaction 1st 4th 2nd 3rd
Rating from A.M. Best A++ A++ A+ A+
Standard & Poor’s financial rating AA+ AA AA- AA
Mechnical breakdown Yes No No Yes
Rate for vehicle usage No Yes Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
New car replacement coverage No No Yes No
Roadside service Yes Yes Yes Yes
Accident forgiveness coverage Yes No Yes Yes
Offered in North Dakota Yes Yes Yes Yes
Types of agents used From a Geico agent or online State Farm exclusive agents Allstate-only agents Indpendent agents or online
Number of agents 150+ 18,000+ 11,000+ 30,000+
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