Buying economical coverage for a GMC Sierra in North Dakota hinges on lots of different rating factors such as age of the driver, your residence address, and your choice of deductibles. Drivers pay around $953 a year for Sierra insurance, but that price is an estimate using a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
There's a high likelihood you are not 50 years old and maybe not even female, maybe you are married instead of single, or maybe you rent instead of own your home. Every driver's needs are different, and that is why the best way to find cheap insurance rates for your GMC is to do your own rate comparisons. It only takes a couple of minutes and you will receive rate quotes from some of the best companies that sell coverage in North Dakota.
The specific model of Sierra tends to have a direct impact on the insurance rate, so the rate you pay to insure a Sierra SLE Regular Cab 2WD trim level will be $152 cheaper than the cost to insure the more costly 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||$164||$312||$342||$20||$102||$940||$78|
|Sierra SL Extended Cab 2WD||$164||$312||$342||$20||$102||$940||$78|
|Sierra SLE Crew Cab 2WD||$164||$312||$342||$20||$102||$940||$78|
|Sierra SL Crew Cab 2WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLE Crew Cab 2WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLE Regular Cab 4WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLE Extended Cab 4WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLE Crew Cab 4WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLT Extended Cab 2WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SL Crew Cab 4WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLT Extended Cab 4WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLT Crew Cab 2WD||$184||$368||$342||$20||$102||$1,016||$85|
|Sierra SLT Crew Cab 4WD||$206||$422||$342||$20||$102||$1,092||$91|
|Sierra Denali Crew Cab 2WD||$206||$422||$342||$20||$102||$1,092||$91|
|Sierra Denali Crew Cab 4WD||$206||$422||$342||$20||$102||$1,092||$91|
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific North Dakota garaging location which can revise premium rates noticeably.
Insuring your vehicle with the right insurance provider can be a challenge considering how many companies sell coverage in North Dakota. The rank data listed below could help you choose which insurers to look at when comparing auto insurance rates for a GMC Sierra. The ratings below are only made up of large, nationwide insurance companies, so companies that only write business in North Dakota or surrounding areas will not be included in these rankings.
Top 10 Large Auto Insurers Overall in North Dakota
- 21st Century
- AAA Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- American Family
Top Companies for GMC Sierra Insurance in North Dakota
How accidents and violations affect rates
The easiest way to enjoy affordable car insurance premiums for a Sierra pickup is to be a cautious driver and avoid getting tickets or having accidents. The diagram below highlights how speeding tickets and accident claims can affect car insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with no violations or accidents is $1,589. Get written up for one speeding ticket and the average cost increases to $1,849, an increase of $259 each year. Then include two accidents along with the one speeding ticket and the annual cost of car insurance for a GMC Sierra in North Dakota increases to an average of $4,032. That's an increase of $2,443, or $204 per month, just for not driving carefully!
Get discount North Dakota insurance rates
Insurance providers that provide coverage for a GMC Sierra may also give you rate discounts that may potentially lower prices by as much as 35% or more if you meet specific criteria. Popular car insurance companies and a partial list of their discounts include:
- GEICO discounts include military active duty, air bags, good student, five-year accident-free, seat belt use, driver training, and membership and employees.
- Travelers has discounts for hybrid/electric vehicle, continuous insurance, multi-policy, IntelliDrive, multi-car, and driver training.
- Nationwide policyholders can earn discounts including multi-policy, Farm Bureau membership, business or organization, good student, easy pay, anti-theft, and defensive driving.
- Farmers Insurance offers discounts for mature driver, distant student, good student, business and professional, and teen driver.
- Esurance has savings for multi-policy, anti-lock brakes, renters, online quote, defensive driver, and Switch & Save.
- State Farm may include discounts for anti-theft, multiple policy, student away at school, Steer Clear safe driver discount, and good student.
- Progressive offers premium reductions for homeowner, online quote discount, multi-vehicle, online signing, good student, and multi-policy.
- Mercury Insurance may offer discounts for age of vehicle, low natural disaster claims, anti-theft, location of vehicle, multi-policy, and type of vehicle.
The chart below compares insurance costs with and without some available policy discounts. The rate quotes are based on a male driver, a clean driving record, no claims, North Dakota state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, claim-free, marriage, vehicle safety, defensive driving course, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a GMC Sierra is 28% or $570.
How to find more affordable car insurance for a GMC Sierra
Here are some of the better money-saving suggestions that can help drivers locate lower-cost car insurance.
- Don't waste money on full coverage for older vehicles
- Avoid at-fault accidents and claims
- Raise physical damage deductibles
- Maintaining good credit helps earn cheaper rates
- Do not get traffic violations
- Buy a safer vehicle
- Compare rates and switch if you can find a better deal
The last item on the list is certainly vital, as we emphasized in the article above. Prices charged by auto insurers can be modified anytime, so drivers shouldn't be reluctant to buy from a new company if a better rate can be found.
Sticking with a specific company is fine, but it isn't a good idea if that dedication is costing several hundred dollars every year. Spend a few minutes and compare prices and find cheaper insurance for a GMC Sierra.