Who Has Affordable Auto Insurance Rates for a GMC Sierra in Tucson?

Finding affordable auto insurance for a GMC Sierra is pretty straightforward, but it is dependent upon a lot of rating factors such as your birth date, your profession, and driving violations and tickets. Drivers will pay around $1,196 per year for Sierra insurance, but that is calculated based on a 40-year-old single male driver with full coverage and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 40 and maybe not even a male, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Just a slight change in rating criteria could end up with a large change in the coverage rate.

This demonstrates why the only way to find the cheapest coverage for your GMC is to do a thorough rate comparison.

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Your GMC’s trim level can impact the cost of insurance, so the price you pay to insure a Sierra SLE Regular Cab 2WD model will be $220 cheaper than the cost to insure the more well-appointed Sierra Denali Crew Cab 4WD trim level, as shown by the rates below.

GMC Sierra Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $226 $448 $362 $22 $108 $1,166 $97
Sierra SL Extended Cab 2WD $226 $448 $362 $22 $108 $1,166 $97
Sierra SLE Crew Cab 2WD $226 $448 $362 $22 $108 $1,166 $97
Sierra SL Crew Cab 2WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLE Crew Cab 2WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLE Regular Cab 4WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLE Extended Cab 4WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLE Crew Cab 4WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLT Extended Cab 2WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SL Crew Cab 4WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLT Extended Cab 4WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLT Crew Cab 2WD $256 $528 $362 $22 $108 $1,276 $106
Sierra SLT Crew Cab 4WD $286 $608 $362 $22 $108 $1,386 $116
Sierra Denali Crew Cab 2WD $286 $608 $362 $22 $108 $1,386 $116
Sierra Denali Crew Cab 4WD $286 $608 $362 $22 $108 $1,386 $116
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in your specific Tucson location which can change coverage prices considerably.

Determining which companies offer the cheapest auto insurance rates for a GMC Sierra will take a bit more work than just quoting one company’s rates. Every insurance company has a different formula for setting rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Arizona.

It’s a good idea to be aware that Tucson auto insurance rates are impacted by many factors that can increase the price you pay for coverage. Simply having another birthday, buying a different home, or having a fender bender can trigger rate changes resulting in some rates now being more affordable than competitors.

Best Cheap Insurance Rates for Your Truck

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Cheapest insurance companies in Arizona
Rank Company Cost Per Year
1 The Hartford $820
2 Safeco $905
3 Auto-Owners $915
4 Travelers $1,108
5 USAA $1,124
6 Progressive $1,164
7 Ameriprise Group $1,172
8 GEICO $1,177
9 Allied $1,197
10 CSAA $1,225
11 Farm Bureau Mutual $1,297
12 Safe Auto $1,323
13 Farmers $1,337
14 Unitrin $1,343
15 State Farm $1,377
16 Amica $1,429
17 American Family $1,463
18 Titan $1,476
19 MetLife $1,551
20 California Casualty $1,552
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The Hartford may offer some of the lowest car insurance rates in Tucson at around $820 per year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the more affordable Tucson, AZ auto insurance companies.

As the rates illustrate above, if you are a policyholder with Travelers and switched to Safeco, you might realize a yearly price reduction of roughly $203. Customers with USAA could save as much as $219 a year, and Progressive policyholders might reduce rates by $259 a year.

Bear in mind that those prices are averaged across all types of insureds and vehicles and are not factoring in an exact location for a GMC Sierra. So the car insurance company that can offer you the best rate may not even be in the list above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The example below shows how choosing a deductible can affect insurance costs when trying to find cheap insurance for a GMC Sierra. The rate quotes are based on a married male driver, full coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $250 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $378 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, have the ability to save $834 or more by selecting a higher deductible.

When choosing a higher deductible, it’s a good idea to have plenty of money set aside to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Discounts on Tucson car insurance

Save on auto insurance for a Sierra pickup in TucsonInsurance providers that sell policies for a GMC Sierra could also offer discounts that can reduce rates by as much as 40% or more if you are eligible. A list of companies and the discounts they provide are outlined below.

The example below shows the comparison of insurance costs with and without discounts applied. The rate quotes are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, vehicle safety, safe-driver, homeowner, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a GMC Sierra is 28% or $617.

Safe drivers pay cheaper rates

The obvious way to earn the cheapest auto insurance rates in Tucson for a Sierra pickup is to be an attentive driver and avoid traffic citations and accidents. The diagram below illustrates how traffic citations and at-fault collisions can influence premium costs for each age group. The price estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

In the example above, the average cost of an auto insurance policy in Tucson per year with no violations or accidents is $2,082. Receive two speeding tickets and the average cost surges to $2,808, an increase of $726 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a GMC Sierra increases to an average of $3,536. That’s an increase of $1,454, or $121 per month, just for not driving responsibly!