Who Has Affordable Auto Insurance for a GMC Sierra in Cleveland?

Buying the best cheap insurance for a GMC Sierra in Ohio hinges on a very complex rating algorithm that uses multiple factors such as how long your commute is, your credit rating, and if you have tickets or violations. Drivers in Ohio pay around $627 annually for Sierra insurance, but that figure is an estimation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

More likely than not, you aren’t exactly 50 years old or even a female, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. Have just a small change in rating criteria or coverage limits can make a big difference in the cost of insurance for a GMC Sierra.

Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest rates for your GMC is to do the rate comparisons yourself. It only takes a few minutes and you will be able to see rates from some of the cheapest companies that sell coverage in Ohio.

Insure Your GMC for Less

Vehicle trim level tends to have a direct effect on the insurance rate, so the price to insure a Sierra SLE Regular Cab 2WD model will be $90 cheaper than the price to insure the more well-appointed Sierra Denali Crew Cab 4WD trim level, as shown in the chart below.

GMC Sierra Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $94 $182 $256 $16 $76 $624 $52
Sierra SL Extended Cab 2WD $94 $182 $256 $16 $76 $624 $52
Sierra SLE Crew Cab 2WD $94 $182 $256 $16 $76 $624 $52
Sierra SL Crew Cab 2WD $106 $214 $256 $16 $76 $668 $56
Sierra SLE Crew Cab 2WD $106 $214 $256 $16 $76 $668 $56
Sierra SLE Regular Cab 4WD $106 $214 $256 $16 $76 $668 $56
Sierra SLE Extended Cab 4WD $106 $214 $256 $16 $76 $668 $56
Sierra SLE Crew Cab 4WD $106 $214 $256 $16 $76 $668 $56
Sierra SLT Extended Cab 2WD $106 $214 $256 $16 $76 $668 $56
Sierra SL Crew Cab 4WD $106 $214 $256 $16 $76 $668 $56
Sierra SLT Extended Cab 4WD $106 $214 $256 $16 $76 $668 $56
Sierra SLT Crew Cab 2WD $106 $214 $256 $16 $76 $668 $56
Sierra SLT Crew Cab 4WD $118 $248 $256 $16 $76 $714 $60
Sierra Denali Crew Cab 2WD $118 $248 $256 $16 $76 $714 $60
Sierra Denali Crew Cab 4WD $118 $248 $256 $16 $76 $714 $60
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price information does not factor in garaging location in Cleveland which can lower or raise price quotes considerably.

Deciphering which company offers the cheapest auto insurance rates for a GMC Sierra will require more work than just picking a company at random. Every auto insurer has their own process for filing rates in each state, so we will examine the auto insurance companies with the overall best prices in Ohio.

It’s important to know that Ohio auto insurance rates are influenced by many factors that may substantially change the policy price. Simply having another birthday, getting divorced, or getting caught speeding can produce rate changes resulting in some rates now being much cheaper than others.

Best Car Insurance Prices for Your Truck

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Who has the cheapest car insurance in Ohio?
Rank Company Cost Per Year
1 Utica National $654
2 Erie $667
3 Allied $690
4 Frankenmuth $708
5 Travelers $712
6 USAA $733
7 Merchants Insurance Group $748
8 Cincinnati Insurance $749
9 General Casualty $813
10 Motorists Mutual $816
11 Grange Mutual $836
12 Central Mutual $848
13 Hastings Mutual $884
14 State Farm $894
15 Atlantic States $904
16 Westfield $918
17 Auto-Owners $968
18 Western Reserve $970
19 Progressive $991
20 Nationwide $998
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Utica National generally has some of the most affordable car insurance rates in Cleveland at around $654 each year. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the cheaper Cleveland, OH insurance companies.

In the rate table above, if you have coverage with Frankenmuth and switched to Erie, you could realize a yearly price reduction of about $41. Policyholders with Travelers might save as much as $45 a year, and USAA policyholders might reduce prices by as much as $66 a year.

These estimates are averages for all drivers and vehicles and do not factor in a specific zip code for a GMC Sierra. So the car insurance company that is best suited for you may not even be in the top 33 companies shown above. That emphasizes why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The diagram below demonstrates how choosing different deductibles can influence insurance rates when trying to find cheap insurance for a GMC Sierra. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.

In the chart above, a 40-year-old driver could lower rates by $216 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $326 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could drop their prices as much as $536 or more by choosing a higher deductible.

When increasing deductibles, it will be required to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Full coverage rates compared to liability only

Saving money when shopping for auto insurance should be important to most people, and one way to find cheaper insurance for a GMC Sierra is to buy liability only. The illustration below compares insurance premiums with full physical damage coverage compared to only buying liability only. The rates are based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $1,136 per year more than buying just liability insurance. That proposes the question if you should buy full coverage. There is no written rule for excluding physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 annually for your policy with full coverage, then you might consider buying liability only.

If you would rather have a consultation when trying to find the best insurance rates for a GMC Sierra, the professional agents shown below can help you decide which auto insurance policy fits you best.

To find an auto insurance agency nearest to you, click the button after the list or click here to compare price quotes.

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How to find low-cost insurance for a GMC Sierra

It is possible to find better rates, and here are some thrifty suggestions that can help Cleveland drivers buy cheap auto insurance.

The last tip in the list is highly significant, as was pointed out in the prior article. Auto insurance rates can be adjusted at any time, so drivers shouldn’t hesitate to buy a policy from a new company if you can find a cheaper rate. Sticking with a specific company is fine, but is isn’t recommended if that inflexibility results in costing you a small fortune. In less than five minutes you could compare prices to find cheaper car insurance for a GMC Sierra in Cleveland.