How Much Does Insurance Cost for a GMC Sierra in New Hampshire?

Your ability to find cheap coverage for a GMC Sierra in New Hampshire depends on many factors such as whether or not your vehicle has good safety ratings, where your vehicle is garaged, and your motor vehicle report. Drivers pay on average $790 every 12 months to buy GMC Sierra insurance, but that policy rate is an estimation based on cost data for a 50-year-old married female driver who requires full coverage including both comprehensive and collision and $100 deductibles.

More than likely, you may not be 50 years old (or even female), you might be single instead of married, or maybe you prefer liability limits higher than required by New Hampshire state law. Have just a small change in rating criteria or coverage limits can induce significant differences in the rate quoted for a GMC Sierra.

This example demonstrates why the only way to find the cheapest rates for your GMC is to get into the habit of shopping around regularly. In just a few minutes you will receive rate quotes from top-rated companies that offer coverage in New Hampshire.

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The trim level of your Sierra impacts the annual cost of coverage, so the price you pay to insure a Sierra SLE Regular Cab 2WD model will be $150 less than the insurance cost for the high end Sierra Denali Crew Cab 4WD model, as shown in the chart below.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates significantly.

Ending up with a highly-rated auto insurance company can be rather challenging considering how many choices there are in New Hampshire. The ranking information shown below could help you pick which auto insurers to look at shopping your coverage with. The rankings below only include large insurance companies, so companies that only write business in New Hampshire or surrounding areas are not taken into consideration for these rankings.

Top 10 Major Car Insurance Companies in New Hampshire Ranked by Value

1. The General
2. The Hartford
3. Farmers Insurance
4. Safeco Insurance
5. AAA Insurance
6. 21st Century
7. Travelers
8. State Farm
9. Progressive
10. American Family

Top 10 Major Car Insurance Companies in New Hampshire Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. The General
8. Allstate
9. The Hartford
10. 21st Century

Top Companies for GMC Sierra Insurance in New Hampshire

How violations and accidents impact rates

The easiest way to maintain cheap insurance for a GMC Sierra in New Hampshire is to drive safely and avoid accidents and violations. The diagram below shows how violations and at-fault claims can affect insurance rates for different insured age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

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The data in the chart shows the average cost of an auto insurance policy per year with no accidents or violations is $911. Receive two speeding tickets and the average cost rises to $1,284, an increase of $373 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of car insurance for a GMC Sierra jumps again to an average of $1,665. That’s an increase of $754, or $63 per month, just for being a little careless behind the wheel!

The information below shows how choosing a deductible can increase or decrease insurance premiums when trying to find cheap insurance for a GMC Sierra. The premium estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3335,3003,2643,2303],[‘Age 30’, 1701,1549,1371,1201],[‘Age 40’, 1709,1545,1359,1183],[‘Age 50’, 1547,1401,1237,1079],[‘Age 60’, 1495,1355,1197,1047],[‘Age 70’, 1793,1631,1457,1289]]);var options = {title: ‘Impact of Deductible Levels on GMC Sierra Insurance Rates in New Hampshire’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra’,minValue: 0,format: ‘$###,###’},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 data above shows that a 30-year-old driver could reduce rates by $350 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $526 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could reduce their rates $1,032 or even more by using higher deductibles when buying full coverage. If you do raise deductibles, it will now be necessary to have spare funds to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.