How Much Does Insurance Cost for a GMC Sierra in Connecticut?

Our editors keep telling us that when writing about auto insurance, the words cheap or affordable should never appear anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap auto insurance for a GMC Sierra is almost non-existent. Don’t let that discourage you, because we are going to tell you how you can quote and buy insurance that is easy on your budget.

Your ability to find the cheapest car insurance for a GMC Sierra in Connecticut relies on a calculation that uses factors like whether you are male or female, whether or not you have prior claims, and any prior driving citations you have received. Drivers pay an average rate of $920 every 12 months for Sierra insurance, but that cost is a ballpark figure calculated using a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 physical damage deductibles.

Most likely you are not 30 years old and maybe not even male, possibly single instead of married, or maybe you just want liability only. Auto insurance requires individual risk assessment, so the most reliable method for finding cheap auto insurance rates for your GMC is to do a thorough rate comparison. It takes less than five minutes and you will receive prices from some of the most affordable companies that offer coverage in Connecticut.

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Your vehicle’s trim level will have an impact the yearly cost, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $146 cheaper than the price to insure the high end Sierra Denali Crew Cab 4WD version, as shown by the rates below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific location which can affect coverage prices considerably.

Ending up with a high-quality car insurance company can be a challenge considering how many different insurance companies sell coverage in Connecticut. The information shown below could help you pick which auto insurers to look at when comparing rate quotes. These rankings only include the largest companies in America, so companies that only write business in Connecticut or surrounding areas are not factored into this list.

Discount Connecticut car insurance rates

Car insurance companies that offer cheap insurance for a GMC Sierra in Connecticut may have rate discounts that could potentially reduce rates by as much as 35% if you meet specific eligibility requirements. Companies and their offered discounts can be found below.

The chart below illustrates the difference between insurance premiums with and without policy discounts. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Connecticut state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, accident-free, anti-theft, defensive driving course, multiple vehicle, and vehicle safety discounts applied. With discounts applied, the the average amount saved on auto insurance for a GMC Sierra is % or $.

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Cost of full coverage in Connecticut

Finding cheap insurance for a GMC Sierra in Connecticut is important to most vehicle owners, and one of the quickest ways to buy cheaper insurance is to not buy full coverage. The diagram below shows the comparison of insurance rates with full physical damage coverage compared to only buying liability only. Data assumes no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

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If we average all the age groups together, full coverage costs an extra $1,831 per year more than just insuring for liability. That is a significant amount which raises the question if buying full coverage is worth the expense. There isn’t a steadfast formula to eliminate physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

There are a few cases where dropping full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.

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

If you are shopping around for insurance for a Sierra pickup in Connecticut, the companies that insure more vehicles than anyone else are Allstate, Progressive, Geico, and State Farm. When added together, they make up over 48% of all car insurance policies written. All of them offer physical damage and liability coverage, but each has different options that can influence your buying decision. The table below ranks some of the ratings and options .