Finding affordable insurance for a GMC Sierra in Nevada hinges on a large number of rating criteria such as how long your commute is, where your vehicle is garaged, and physical damage deductibles. Drivers will pay around $1,363 per year for Sierra insurance, but that price is an approximation calculated based on a 30-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you are not 30 and maybe not even a male, married instead of single, or maybe you live in a different area as the quoted rates. There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest rates for your GMC is to do the rate comparisons yourself.
The trim level of your Sierra will most likely have an effect on price, so the price to insure a Sierra SLE Regular Cab 2WD will be $250 less expensive the cost to insure the higher-end Sierra Denali Crew Cab 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$302||$478||$404||$24||$120||$1,328||$111|
|Sierra SL Extended Cab 2WD||$302||$478||$404||$24||$120||$1,328||$111|
|Sierra SLE Crew Cab 2WD||$302||$478||$404||$24||$120||$1,328||$111|
|Sierra SL Crew Cab 2WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLE Crew Cab 2WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLE Regular Cab 4WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLE Extended Cab 4WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLE Crew Cab 4WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLT Extended Cab 2WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SL Crew Cab 4WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLT Extended Cab 4WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLT Crew Cab 2WD||$342||$564||$404||$24||$120||$1,454||$121|
|Sierra SLT Crew Cab 4WD||$380||$650||$404||$24||$120||$1,578||$132|
|Sierra Denali Crew Cab 2WD||$380||$650||$404||$24||$120||$1,578||$132|
|Sierra Denali Crew Cab 4WD||$380||$650||$404||$24||$120||$1,578||$132|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can change auto insurance rates substantially.
Choosing a good quality insurance company can be a challenge considering how many different companies sell coverage in Nevada. The information in the next section can help you analyze which car insurance companies you want to consider buying from.
The rankings below are only made up of the largest companies in America, so companies that have a smaller presence are not taken into consideration for these rankings. To check prices and find the cheapest rates for a GMC Sierra, just click here.
Top 10 Large Auto Insurance Providers in Nevada Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Providers in Nevada Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Top Companies for GMC Sierra Insurance in Nevada
Does full coverage make sense?
Reducing premiums for car insurance is the goal of the majority of vehicle owners, and one of the fastest ways to buy cheaper insurance for a GMC Sierra in Nevada is to not insure for full coverage. The illustration below shows the comparison of insurance costs with and without physical damage coverage. Data assumes no claims or violations, $1,000 deductibles, single status, and no other discounts are factored in.
If we average all the age groups together, comp and collision coverage costs $1,746 per year more than insuring for liability only. At some point, about every driver wonders if you should buy full coverage at all. There is no set rule for phasing out comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.
For example, let's say your vehicle's settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the deductible is paid. If premium cost is more than $800 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few situations where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Get discounts on Nevada auto insurance
Insurers that sell policies for a GMC Sierra may provide price discounts that could lower prices by 30% or more if you are eligible for them. Larger car insurance companies and some of their more popular discounts are:
- GEICO has discounts for multi-vehicle, air bags, anti-lock brakes, anti-theft, and driver training.
- Travelers may offer discounts for early quote, new car, payment discounts, continuous insurance, home ownership, and driver training.
- Nationwide includes discounts for multi-policy, business or organization, good student, anti-theft, and easy pay.
- Farmers Insurance may include discounts for pay in full, multi-car, mature driver, good student, and homeowner.
- Esurance discounts include claim free, DriveSense, Pac-12 alumni, online quote, homeowner, online shopper, and good driver.
- State Farm offers discounts including student away at school, accident-free, driver's education, safe vehicle, and multiple policy.
- Progressive policyholders can earn discounts including online quote discount, online signing, multi-policy, good student, and continuous coverage.
- Mercury Insurance has savings for accident-free, multi-policy, multi-car, good driver, low natural disaster claims, and age of vehicle.
The diagram below visualizes the comparison of insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, claim-free, passive restraint, homeowner, accident-free, and safe-driver discounts applied. When discounts are factored in, the average amount saved each year on car insurance for a GMC Sierra is 28% or $504.
The diagram below illustrates how your deductible choice can raise or lower yearly insurance costs when getting quotes for cheap insurance for a GMC Sierra in Nevada. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could pocket $390 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $588 by using a $1,000 deductible. Even younger drivers, like the 20-year-old example, can save as much as $868 or more by using higher deductibles when buying full coverage.
If you do raise deductibles, it is a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.