Who Has the Cheapest Tulsa Auto Insurance for a GMC Sierra?

Finding competitive coverage for a GMC Sierra depends on an enormous amount of rating factors such as whether you are married or single, if you have recent claims, and physical damage deductibles. Oklahoma drivers pay approximately $1,412 each year for Sierra insurance, but that figure is a projection calculated using a 30-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.

It’s more than likely you aren’t exactly 30 years old or even a male, maybe you are married instead of single, or maybe your Sierra doesn’t need full coverage. Even a minor difference in rating variables or coverage information may result in significant differences in policy price.

Auto insurance is not the same for everyone, so the best method for finding the most affordable coverage for your GMC is to compare rates from as many companies as possible.

Cheapest GMC Sierra Insurance Rates

The specific model of Sierra will have an impact the insurance rate, so the price you pay to insure a Sierra SLE Regular Cab 2WD will be $192 cheaper than the price to insure the more expensive Sierra Denali Crew Cab 4WD version, as shown in the chart below.

GMC Sierra Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $244 $368 $588 $34 $176 $1,410 $118
Sierra SL Extended Cab 2WD $244 $368 $588 $34 $176 $1,410 $118
Sierra SLE Crew Cab 2WD $244 $368 $588 $34 $176 $1,410 $118
Sierra SL Crew Cab 2WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLE Crew Cab 2WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLE Regular Cab 4WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLE Extended Cab 4WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLE Crew Cab 4WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLT Extended Cab 2WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SL Crew Cab 4WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLT Extended Cab 4WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLT Crew Cab 2WD $276 $432 $588 $34 $176 $1,506 $126
Sierra SLT Crew Cab 4WD $306 $498 $588 $34 $176 $1,602 $134
Sierra Denali Crew Cab 2WD $306 $498 $588 $34 $176 $1,602 $134
Sierra Denali Crew Cab 4WD $306 $498 $588 $34 $176 $1,602 $134
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in your specific Tulsa location which can alter premium rates substantially.

Tulsa car insurance company ratings

Finding the right car insurance company can be rather challenging considering how many different companies there are to choose from in Tulsa. The company rank data shown below may help you select which car insurance providers to look at comparing prices from.

The ratings below include companies that insure vehicles across America, so companies that have a smaller presence are not factored into these rankings. To check rates from these and other competitive companies, follow this link.

Top 10 Large Auto Insurers Overall in Tulsa

  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

Should you buy full coverage?

Saving money on car insurance is the goal of most vehicle owners, and one of the quickest ways to find cheap insurance for a GMC Sierra is to not buy comprehensive and collision coverage. The diagram below shows the difference between insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims or driving citations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

If averaged for all ages, physical damage coverage costs an additional $2,896 per year more than insuring for liability only. That proposes the question when is the right time to remove full coverage. There is no definitive guideline that is best for determining when to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

There are some scenarios where only buying liability is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Rate increases following a ticket or accident

The best way to find affordable car insurance premiums in Oklahoma for a Sierra pickup is to drive carefully and avoid accidents and traffic violations. The chart below demonstrates how citations and at-fault collisions can affect insurance prices for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Oklahoma per year with no violations or accidents is $2,560. Add in one speeding ticket and the average cost increases to $2,904, an increase of $344 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for a GMC Sierra goes up to an average of $3,867. That’s an increase of $1,307, or $109 per month, just for not keeping your driving record clean!

How to find economical car insurance for a GMC Sierra

It is possible to find better rates, and here are some money-saving ideas that can help drivers find more affordable coverage.

That final tip is certainly important, as was discussed in this article. Auto insurance rates can change considerably based on profitability, so don’t hesitate to buy a policy from a new company if you can save money.

Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that loyalty ends up costing a wad of cash every year. If you have a few minutes, compare prices and find cheaper car insurance for a GMC Sierra in Tulsa.