Who Has Affordable Indianapolis Car Insurance Quotes for a GMC Sierra?

Finding economical auto insurance for a GMC Sierra is pretty easy for most people, but it depends on a lot of factors such as your financial responsibility, if you have recent claims, and your driving record. Indiana drivers pay on average $1,067 per year for Sierra insurance, but that cost is a valuation based on a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.

The problem with using this number is the good chance you may not be 40 years old (or even female), you might be single instead of married, or maybe you don’t qualify for the same discounts. Having just a slight change in rating factors or requested coverage amount could result in a significant change in the price of coverage.

This shows why the best way to find cheap insurance rates for your GMC is to compare as many rates as you can.

View GMC Sierra Insurance Rates

The trim level of your Sierra impacts the cost of insurance, so the rate you pay to insure a Sierra SLE Regular Cab 2WD will cost $206 less than the price to insure the fancier Sierra Denali Crew Cab 4WD version, as shown in the prices below.

GMC Sierra Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $208 $428 $294 $18 $88 $1,036 $86
Sierra SL Extended Cab 2WD $208 $428 $294 $18 $88 $1,036 $86
Sierra SLE Crew Cab 2WD $208 $428 $294 $18 $88 $1,036 $86
Sierra SL Crew Cab 2WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLE Crew Cab 2WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLE Regular Cab 4WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLE Extended Cab 4WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLE Crew Cab 4WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLT Extended Cab 2WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SL Crew Cab 4WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLT Extended Cab 4WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLT Crew Cab 2WD $234 $504 $294 $18 $88 $1,138 $95
Sierra SLT Crew Cab 4WD $262 $580 $294 $18 $88 $1,242 $104
Sierra Denali Crew Cab 2WD $262 $580 $294 $18 $88 $1,242 $104
Sierra Denali Crew Cab 4WD $262 $580 $294 $18 $88 $1,242 $104
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify premiums significantly.

Finding good, low-cost insurance is not always easy, and deciding which companies have the cheapest car insurance rates for a GMC Sierra will require even more perseverance.

Each insurance company uses a slightly different approach for determining rates, so first let’s look at the rankings for the most affordable car insurance companies in Indianapolis. It’s a good idea to be aware that Indianapolis car insurance rates are impacted by many things which can significantly increase or decrease your annual premium. This price variation is why Indiana drivers need to do a thorough rate comparison to get the most budget-friendly insurance rates for a GMC Sierra. Rates can be determined by many things and can increase or decrease at any time, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.

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Rankings for the cheapest car insurance companies in Indiana
Rank Company Cost Per Year
1 Travelers $620
2 Cincinnati Insurance $658
3 USAA $667
4 Erie $733
5 Western Reserve $846
6 The Hartford $863
7 Indiana Farmers Mutual $875
8 Auto-Owners $915
9 State Farm $957
10 Nationwide $958
11 Motorists Mutual $986
12 Utica National $995
13 Safeco $1,003
14 Hastings Mutual $1,013
15 Farmers $1,064
16 Westfield $1,072
17 Wolverine Mutual $1,094
18 GEICO $1,122
19 State Auto $1,131
20 Celina Insurance $1,135
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Travelers offers some of the cheapest car insurance rates in Indianapolis at around $620 each year. This is $620 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve also are some of the best Indianapolis, IN auto insurance companies.

As the rates illustrate above, if you currently have a policy with Cincinnati Insurance and switched to Travelers, you might realize an annual premium reduction of upwards of $38. Insureds with USAA might save as much as $47 a year, and Erie policyholders might see rate reductions of $113 a year.

Understand that those premium estimates are averaged across all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for a GMC Sierra. So the auto insurance company that can offer the best rates for your situation may not even be in the top 36 companies shown above. That underscores the importance of why you need to get quotes using your own specific driver and vehicle information.

Impact of violations and accidents on rates

The best way to receive good car insurance rates in Indiana for a Sierra pickup is to drive cautiously and not have accidents or get tickets. The diagram below illustrates how speeding tickets and at-fault fender-benders influence premium costs for different age categories. The prices are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of a car insurance policy in Indiana per year with no accidents or violations is $1,148. Factor in two speeding tickets and the average cost jumps to $1,624, an increase of $477 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a GMC Sierra jumps again to an average of $3,540. That’s an increase of $2,392, or $199 per month, just for being a less-than-perfect driver!

The importance of comparing Sierra insurance rates

Indianapolis, IN car insurance rates are calculated based on many things that may substantially change the policy premium. Simply improving your credit, marrying your spouse, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being more affordable than before.

And not only may your rating factors change, but insurers change premium rates at least once a year to adjust for unexpected claims or profits. Larger than normal claims can cause high rates, while long-term profits can result in cheaper Sierra insurance rates.

For instance, the chart below shows the cheapest car insurance in Indianapolis, IN for a 45-year-old female driver with no accidents, a clean driving record, and a good credit rating. When comparing rates based on her personal risk profile, Travelers may have the lowest car insurance rates in Indianapolis at $731 per year. This is $509 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve are also on the list of the cheapest Indianapolis, IN auto insurance companies.

Now let’s give the driver from the first rate comparison a claim or two, slightly worse credit, and a blemish on her driving record. Because each insurer has their own guidelines to set premium rates, analyzing rates most likely will result in a substantially altered list of the cheapest Indianapolis car insurance companies as shown below.

Indiana Farmers Mutual now has the cheapest auto insurance in Indianapolis, IN with Cincinnati Insurance, Auto-Owners, Motorists Mutual, and Nationwide now rounding out the top five. This shows why Indiana drivers need to take the time to shop around when trying to find affordable insurance quotes for a GMC Sierra. Auto insurance prices are calculated by many risk factors and can change without notice, so the best price the last time you shopped your coverage around may now cost much more than other companies.