How Much is Insurance for a GMC Sierra in Oklahoma?

The chances of buying the best cheap coverage for a GMC Sierra in Oklahoma depends on a complex rating formula that takes into consideration things like your vehicle’s safety rating, the likelihood of your vehicle being stolen, and any past driving violations you may have had. Oklahoma drivers pay an average of $2,170 each year to buy GMC Sierra insurance, but that is an estimation that uses rate data for a 30-year-old single female with full physical damage coverage and $100 physical damage deductibles.

There is a high probability that you are not 30 and possibly not even female, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Even a slight change in the factors used to determine rates can result in a large change in the policy rate.

Each driver has unique rating factors, so your best chance at finding cheap insurance prices for your GMC is to do a thorough rate comparison. Compare rate quotes now and you will get price quotes from the best companies around.

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The specific trim level will most likely have an effect on the cost of coverage, so the cost to insure a Sierra SLE Regular Cab 2WD model will be $416 lower than the cost to insure the more costly Sierra Denali Crew Cab 4WD trim level, as shown by the rates below.

Premium data assumes single female driver age 30, 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. Price information does not factor in specific Oklahoma garaging location which can modify auto insurance rates noticeably.

How to find a good Oklahoma auto insurance company

Selecting a good quality car insurance provider can be difficult considering how many different companies sell coverage in Oklahoma. The information shown next could help you select which auto insurers to look at when comparing insurance rates for a GMC Sierra. These rankings include major nationwide insurance companies, so companies without a large exposure will not be included in this list.

Top 10 Major Car Insurance Companies in Oklahoma Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. Safeco Insurance
5. Nationwide
6. AAA Insurance
7. State Farm
8. Progressive
9. The Hartford
10. The General

Top 10 Major Car Insurance Companies Overall in Oklahoma

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top Companies for GMC Sierra Insurance in Oklahoma

The example below shows how different deductible levels can influence insurance prices when researching cheap insurance for a GMC Sierra. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4959,4495,3985,3501],[‘Age 30’, 2601,2355,2075,1805],[‘Age 40’, 2485,2261,2003,1755],[‘Age 50’, 2269,2067,1835,1613],[‘Age 60’, 2227,2027,1799,1581],[‘Age 70’, 2549,2331,2087,1857]]);var options = {title: ‘Effect of Deductibles on GMC Sierra Insurance Rates in Oklahoma’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their policy premium by $434 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, have the ability to save as much as $1,458 every year just by using higher deductibles.

If you make the decision to raise deductibles, it is essential to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Impact of citations and accidents on Oklahoma insurance rates

The obvious way to snag cheap auto insurance prices in Oklahoma for a Sierra pickup is to be a good driver and avoid at-fault accidents and violations. The information below highlights how traffic violations and at-fault collisions influence insurance costs for different age groups of insureds. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4235,4619,5703],[‘Age 30’, 2935,3319,4401],[‘Age 40’, 2719,3103,4185],[‘Age 50’, 2379,2763,3845],[‘Age 60’, 2299,2679,3767],[‘Age 70’, 2675,3059,4141]]);var options = {title: ‘Violations, Accidents, and Oklahoma GMC Sierra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra in Oklahoma’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance per year with no accidents and a clean driving record is $2,874. Get one speeding ticket and the average cost swells to $3,257, an increase of $383 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a GMC Sierra increases to an average of $4,340. That’s an increase of $1,467, or $122 per month, just for not being more responsible behind the wheel!

State Farm, Geico, Progressive, and Allstate: Who is best?

If you are looking for the best auto insurance, four companies you’ll want quotes from are State Farm, Geico, Progressive, and Allstate. The data below shows some of the different options and features offered by each one.