Buy Cheap GMC Auto Insurance in 2023

GMCs are one of the most trusted brands in America, especially known for their reliability as working vehicles. With solid safety ratings, affordable prices, and low maintenance costs, GMC auto insurance is generally affordable. In fact, regular prices for GMC insurance usually follow the national average.

You can find affordable GMC auto coverage at most insurance companies, but you don’t have to settle for the first price you see. There are many ways to save on auto insurance for your GMC, including usage-based auto insurance, taking advantage of discounts, and comparing quotes.

Read on to explore your options to find cheap GMC auto insurance. Then, compare rates with as many companies as possible to find the right policy for your GMC.

What types of auto insurance should you buy for a GMC?

People looking for auto insurance usually need one of two main types of policies. The first is minimum insurance, which is the minimum amount of auto insurance coverage required by most states. It’s your cheapest option for insurance, but it doesn’t protect your vehicle very well.

The other type is full coverage auto insurance. Full coverage is a suite of insurance that protects your vehicle from almost anything life can throw at it. It costs more, but many drivers appreciate the extra coverage.

Insurance companies offer enough coverage to buy both types of policies. The most basic types of auto insurance include:

• Liability: If you cause an accident, you’ll be responsible for paying for the damage and injuries you cause. Liability auto insurance will pay for any property damage or injuries you cause after an at-fault accident.
• Collision: Collision auto insurance is needed if you want your policy to cover your vehicle repairs after an accident. It also pays for repairs if you hit an object, like a parked vehicle or mailbox.
• Comprehensive: Comprehensive auto insurance covers your vehicle from damaging events like fires, floods, theft, vandalism, animal contact, and extreme weather.
• Uninsured/underinsured motorist: Every state except Virginia and New Hampshire require insurance, but that doesn’t mean everyone follows the law. Uninsured motorist insurance protects you from drivers with inadequate coverage.
• Personal injury protection/medical payments: Medical payments and personal injury protection auto insurance cover medical bills for you and your passengers after an accident, no matter who was at fault.

If you’re interested in minimum insurance, most states only require liability coverage. A few states also include personal injury protection or uninsured motorist insurance.

People with a car loan or lease usually need full coverage. Even if you own your car outright, full coverage might be a good idea if your vehicle is new or you can’t afford to replace it.

The insurance types listed above are the most commonly purchased coverages, but most companies offer add-ons if you want more protection. Popular add-ons offered by most companies include Gap insurance, rental car reimbursement plans, and roadside assistance. Learn how to buy auto insurance.

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How much does GMC auto insurance cost?

Although GMCs usually come with affordable auto insurance, companies look at more factors than what type of vehicle you drive. Companies may look at your age, driving history, location, and credit score to determine how much you should pay for your insurance.

Regardless of other factors, the typical GMC driver pays a little more than the national average of $119 a month. You’ll pay about $145 a month for full coverage if you drive a GMC.

Of course, there are exceptions to that low average rate. The company you shop at and the model you drive will significantly impact the rates you see. Learn how much auto insurance coverage you need.

GMC Auto Insurance Rates by Company

Finding estimated quotes for one brand can be difficult since there are so many factors to consider. However, GMC insurance rates typically follow the national average, so it’s a little easier to get an idea of what you might pay.

No matter what factors you consider, some companies are simply more expensive than others. Check below to see the average rates for some of the biggest insurance companies in America:

State Farm, Geico, and Progressive usually have the cheapest rates in most states. On the other end of the spectrum, Liberty Mutual and Allstate tend to be the most expensive.

While finding an affordable rate is important, it’s not the only thing to consider. For example, you might pay more for Liberty Mutual, but the company offers plenty of discounts, excellent digital tools, and ample policy customization options.

Although the rates listed above are typical for each company, you should still research your options. You’ll see different average auto insurance rates by state, and you might see a different company has the cheapest rates where you live. Find the cheapest states for auto insurance.

Another thing to consider is your unique circumstances. For example, drivers with low credit scores will probably see much higher rates from State Farm, even though State Farm tends to be one of the most affordable companies on average.

GMC Auto Insurance Rates by Model

While you can expect to pay what the average American spends on auto insurance when you drive a GMC, there are exceptions. The price of your insurance partially depends on the model you buy, with some GMCs costing much more to insure than others.

To see how much you might pay for insurance based on the model you purchase, check the rates below:

The GMC Acadia and Canyon are some of the cheapest GMCs to insure because they come with affordable price tags and have solid safety ratings. On the other end of the scale, the Sierra 3500 is one of the most expensive to get insurance for.

GMC Auto Insurance Rates by Age

Two of the most important factors that go into your auto insurance rates are your age and gender. Insurance companies carefully track how many claims are filed, and they have detailed statistics. Young drivers and men are more likely to file auto insurance claims, so they pay higher insurance rates.

Check below to see how much your age and gender affect your GMC auto insurance rates:

Young drivers can see rates up to five times higher than older adults. They don’t pay high prices forever, though — as long as they keep their driving record clean, their rates will decrease by about age 25. Parents and guardians can also help teens save on their insurance by adding them to an existing policy. Learn more about the average auto insurance rates by age.

What factors affect your auto insurance rates?

Although GMCs usually come with affordable rates, you might see higher rates depending on a set of factors unique to you. Before you shop for auto insurance, you should understand the following factors that affect your auto insurance:

• Location: Because companies keep careful track of claims, they know how many are filed in each ZIP code. You’ll pay more for insurance if you live in an area with high theft rates, accidents, or other claims.
• Age: You saw above that age plays a role in your insurance. The primary reason for this is that young drivers are more likely to cause accidents, drive recklessly, or file other claims.
• Gender: Similarly to claims made by different age groups, insurance companies know men are more likely to file claims than women.
• Credit score: Unless you live in California, Massachusetts, or Hawaii, insurance companies can use your credit score to determine your rates. The higher your score, the less you’ll pay for auto insurance.
• Marital status: Married people file fewer claims than single, widowed, or divorced people, so companies consider them less risky drivers. For that reason, married people tend to pay less for insurance.
• Driving history: If your driving record is clean, you’ll pay less for auto insurance. If you have too many infractions like speeding tickets or DUIs, you might need high-risk auto insurance.

A final factor that affects your insurance is how much you want to buy. If you’ve recently purchased a brand-new GMC, full coverage is likely your best option for insurance. For people with less valuable vehicles they own outright, minimum insurance might be enough coverage.

How do you save on GMC auto insurance?

If you’re driving a GMC, you’ve already taken an essential step in finding affordable insurance — pick an affordable, safe, and reliable vehicle. You can lower your auto insurance rates even more with the following tips:

• Park somewhere safe. Your vehicle is less likely to be damaged or broken into if you park in a safe spot every night. Insurance companies will give you a small discount on your comprehensive insurance if you park in a covered garage or private driveway.
• Keep your driving record clean. Incidents like speeding tickets, DUIs, or at-fault accidents will significantly impact your rates. If you have incidents on your record, you should do your best to avoid adding additional infractions.
• Look for auto insurance discounts. Insurance companies know customers are looking to save, so most offer discounts. Some of the most common discounts include driving without filing claims, bundling insurance policies, and maintaining a high GPA in school.
• Add security. Another way to save money on comprehensive insurance is to add security systems to your vehicle. Some of the best security systems for your vehicle are audible alarms, GPS tracking, and engine kill switches.
• Consider usage-based insurance. Telematics programs are popular options for low-mileage drivers who consistently practice safe driving habits. Most companies offer them, and you can save up to 40% on your insurance.

Researching your options and using the above tips are excellent ways to keep your insurance prices low. However, the best way to ensure you’re not overpaying for insurance is to compare quotes with multiple companies.

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Find the Best GMC Auto Insurance Today

GMC has offered Americans a reliable ride for both work and pleasure for more than a hundred years, and its auto insurance rates match its affordability. Although the average GMC driver pays about $145 a month for auto insurance, there are plenty of ways to lower your rates when you find car insurance for your GMC vehicle.

Finding affordable GMC auto insurance rates is relatively easy because prices tend to follow the national average. However, you should always compare quotes from as many companies as possible to find a policy as reliable as your GMC.

 

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