How Much is Insurance for a GMC Sierra in Hawaii?

Your ability to find cheaper coverage for a GMC Sierra in Hawaii is contingent on a complicated rating formula that uses factors such as your marital status, if you have ever had a coverage lapse, and deductibles for comprehensive and collision coverage. Hawaii drivers on average pay around $960 a year for Sierra insurance, but that figure is a ballpark figure based on a 50-year-old single male driver that purchased full coverage and $250 deductibles.

That rate won’t apply to everyone, because more than likely you aren’t exactly 50 years old or even a male, you might be married instead of single, and there is a good chance that you need different coverage limits than the exampe. Even a minor change in the criteria used to calculate rates can cause big differences in the cost of coverage for a GMC Sierra.

Not every driver requires the same auto insurance coverages, so the way we recommend to find affordable rates for your GMC is to compare as many rates as you can. Quotes only take a couple of minutes and you will get price quotes from some of the cheapest companies available.

Compare GMC Sierra Insurance Rates

Your GMC’s trim level tends to impact the cost of coverage, so the rate you pay to insure a Sierra SLE Regular Cab 2WD model will be $172 less expensive the insurance cost for the higher-priced Sierra Denali Crew Cab 4WD version, as shown below.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in zip code location which can increase or decrease insurance rates greatly.

Comparing rates for low-priced auto insurance is not easy, and finding out which company offers the cheapest insurance rates for a GMC Sierra may require a bit more work. Each auto insurance company uses a different method to determine premium rates, so let’s rank the most affordable insurance companies in Hawaii.

It’s important to understand that Hawaii insurance rates are influenced by many factors which can substantially change the price you have to pay. This price variability is why it is crucial to shop around with many companies when trying to find the lowest auto insurance rates for a GMC Sierra. Rates are influenced by many different factors and change substantially, so the best company the last time you shopped around may now not even be in the top five.

Best Cheap Insurance Rates for Your Truck

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USAA has some of the most affordable car insurance rates in Hawaii at around $954 a year. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the best Hawaii auto insurance companies.

As shown above, if you buy coverage from GEICO and switched to USAA, you might realize an annual premium reduction of in the neighborhood of $422. Customers with Liberty Mutual could save as much as $510 a year, and Progressive insureds might realize rate reductions of up to $622 a year.

If you want to see how much you could save, click here to get quotes or visit any of the low-priced companies below.

Understand that those prices are averaged across all drivers and vehicles in Hawaii and do not factor in a specific rating modification for a GMC Sierra. So the company that fits you best may not even be shown in the list of companies shown earlier. That helps illustrate why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Bad driving habits will cost you more

The easiest method to get cheap insurance premiums in Hawaii for a Sierra pickup is to be a good driver and avoid accidents and violations. The information below demonstrates how citations and accident claims can affect insurance costs for different categories of driver ages. The price estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

In the previous chart, the average cost of a car insurance policy in Hawaii per year with no accidents and a clean driving record is $1,367. Get two speeding tickets and the average cost swells to $1,883, an increase of $517 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a GMC Sierra goes up to an average of $2,404. That’s an increase of $1,037, or $86 per month, just for being a little careless behind the wheel!

Discounts on cheap insurance for a GMC Sierra in Hawaii

Car insurance companies that provide policies for a GMC Sierra could also offer special discounts that could reduce prices by as much as 35% if you can meet the requirements. Companies and the discounts they provide are shown below.

The illustration below illustrates the difference between yearly insurance costs with and without discounts. The costs are based on a male driver, no violations or claims, Hawaii state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, multiple vehicle, homeowner, claim-free, multiple policy, and vehicle safety discounts applied. With discounts applied, the average amount saved each year on insurance for a GMC Sierra is 34% or $629.

Best rates: State Farm, Progressive, Allstate, or Geico

If you want the best insurance for a Sierra pickup in Hawaii, four companies to definitely compare rates with are State Farm, Progressive, Allstate, and Geico. When combined, they have almost half of the entire U.S. market share. The following table compares and contrasts pricing and service ratings, as well as optional policy coverages .

Who has the cheapest GMC Sierra insurance quotes?

You have a lot of ways to find cheaper insurance in Hawaii, but the most common ways are from an independent insurance agent, a captive (or exclusive) agency such as Allstate or Liberty Mutual, or direct online or over the phone from a company like Geico or Progressive. All three ways are similar, but insurance buyers need to understand the differences in how they work.

Independent agencies have contracts with multiple insurance companies and can get policy pricing from each one. These types of agencies are not locked into one company and can give you more rates, which may give you the best chance of finding a lower price. If you want to switch companies, your agent can just switch to a different company without you having to go to a different agency.

An exclusive ageny is only able to give prices for one company such as Allstate and Liberty Mutual agents. These agents normally cannot give you multiple price quotes, which does not give you the best rate comparison.

When you buy insurance direct, you do not use either of the other two types of agents and instead shop from a direct company like Progressive or Geico. Buying insurance direct can be a good choice for drivers who do not have a lot of assets and have some degree of understanding of what coverages, limits, and deductibles they need.

Out of those three methods, which one works best to buy cheap insurance for a GMC Sierra in Hawaii? It would be premature to say shopping direct results in the cheapest price since there isn’t an agent involved, but that is not always the case. A valid argument could also be made that using an independent agent is the best way since they can quote with many companies, but that idea is not necessarily true either. For the right applicant, exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Due to that fact that insurance uses so many rating variables, the best method to buy the cheapest coverage is to obtain price quotes and compare them. It’s a good idea to get price quotes from all three in order to be able to find the lowest price. To see some of the cheapest online companies available, click here to view.