Who Has the Cheapest Car Insurance Quotes for a GMC Sierra in Jacksonville?

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Buying competitive insurance for a GMC Sierra in Florida depends on a fairly complex equation with a lot of factors such as how many years you have been driving, if you are a frequent claim filer, and any past driving violations you may have had. Florida drivers will pay around $1,839 a year for Sierra insurance, but that amount is a projection based upon a 40-year-old single male driver with full physical damage coverage and $100 deductibles.

This brings up the issue that more than likely you are not 40 and maybe not even a male, you might be married instead of single, or maybe you just want different deductibles. Not every driver requires the same auto insurance coverages, so the best method for finding cheap insurance rates for your GMC is to just compare rates yourself.

Compare GMC Sierra Insurance Rates

The trim level of your vehicle impacts the coverage cost, so the rate you pay to insure a Sierra SLE Regular Cab 2WD model will be $356 less than the price to insure the high end Sierra Denali Crew Cab 4WD trim level, as demonstrated by the prices below.

GMC Sierra Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $352 $746 $504 $30 $152 $1,784 $149
Sierra SL Extended Cab 2WD $352 $746 $504 $30 $152 $1,784 $149
Sierra SLE Crew Cab 2WD $352 $746 $504 $30 $152 $1,784 $149
Sierra SL Crew Cab 2WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLE Crew Cab 2WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLE Regular Cab 4WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLE Extended Cab 4WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLE Crew Cab 4WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLT Extended Cab 2WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SL Crew Cab 4WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLT Extended Cab 4WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLT Crew Cab 2WD $398 $878 $504 $30 $152 $1,962 $164
Sierra SLT Crew Cab 4WD $442 $1012 $504 $30 $152 $2,140 $178
Sierra Denali Crew Cab 2WD $442 $1012 $504 $30 $152 $2,140 $178
Sierra Denali Crew Cab 4WD $442 $1012 $504 $30 $152 $2,140 $178
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates significantly.

Finding dependable, budget auto insurance is not most people's favorite thing to do, and deciding which company quotes the cheapest car insurance rates for a GMC Sierra calls for even more shopping around. Each auto insurer uses a slightly different approach for setting rates, so first we will examine the most competitive car insurance companies in Jacksonville.

Find the Cheapest Auto Insurance for Your Truck

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Rankings for the cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $986
2 Electric $1,746
3 Amica $1,746
4 Progressive $1,793
5 Travelers $1,869
6 Mercury $1,933
7 Allied $2,004
8 Esurance $2,102
9 Auto-Owners $2,107
10 State Farm $2,131
11 GEICO $2,150
12 Allstate $2,317
13 21st Century $2,373
14 Windhaven Insurance $2,575
15 MetLife $2,900
16 Safeco $2,927
17 Hanover $3,024
18 Liberty Mutual $3,131
19 United Automobile $3,527
20 Direct General $3,902
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USAA generally has some of the most affordable car insurance rates in Jacksonville at around $986 per year. Electric, Amica, Progressive, and Travelers would also be considered some of the best Jacksonville, FL insurance companies.

As shown in the rates above, if you are currently insured with Progressive and switched to Electric, you might see annual savings of around $47. Customers with Travelers could save as much as $123 a year, and Mercury insureds might lower prices by $187 a year.

To see if your current coverage is too expensive, click here to start a quote or click through to the companies below.

These policy prices are averages across all drivers and vehicles in Florida and and are not figured with an exact vehicle garaging location for a GMC Sierra. So the insurer that can offer you the best price may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

The chart below highlights how deductible selection can increase or decrease yearly insurance costs when quoting cheap insurance for a GMC Sierra. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.

The data above shows that a 30-year-old driver could save $446 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $674 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could reduce their rates up to $1,354 or more just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Here's why you should compare rates often

Jacksonville, FL car insurance rates are determined by lots of factors which can substantially change your annual premium. Simply improving your credit, buying a home, or getting into an accident can produce rate changes resulting in some companies being cheaper than others. Not only may things change on your end, but companies file new Florida car insurance rates multiple times each year to adjust for unexpected claims or profits. Higher than normal claims can cause high rates, while lower claim levels may result in lower-priced Sierra insurance rates.

As an example, the bar chart below analyzes the cheapest car insurance in Jacksonville, FL for a 30-year-old female driver with no prior accidents, a clean driving record, and good credit. Based on her personal profile, USAA might quote the best car insurance rates in Jacksonville at $1,198 each year. This is $1,250 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the list of the top five cheapest Jacksonville, FL auto insurance companies.

Now let's give the driver from above an at-fault accident, a lower credit rating, and a traffic ticket or two. Since every insurance provider has a unique approach for determining prices, comparing quotes may now result in a significantly different list of affordable companies as shown below.

USAA now has the cheapest price in Jacksonville with Allied, Esurance, Auto-Owners, and GEICO now rounding out the top five. This example illustrates why consumers need to take the time to shop around to find the cheapest auto insurance rates for a GMC Sierra.

Auto insurance prices are impacted by many factors and can increase or decrease at any time, so the most economical option two years ago may now be costing you a lot of money.