2013 GMC Sierra Insurance Rates
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UPDATED: Nov 30, 2021
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Average insurance rates for a 2013 GMC Sierra are $1,258 a year including full coverage. Comprehensive insurance costs an estimated $240 each year, collision costs $400, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,720 or more. Teenage drivers receive the highest rates at $4,852 a year or more.
Annual premium for full coverage: $1,258
Rate estimates for 2013 GMC Sierra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 GMC Sierra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $510 for only liability insurance to a high rate of $2,720 for a driver who has had serious violations or accidents.
These differences highlight why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 GMC Sierra Insurance
Trying to find the cheapest insurance rates for your GMC Sierra 1500? Tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers.
There is such a variety of auto insurance companies to choose from, and although it’s a good thing to be able to choose, lots of choices makes it harder to find a good deal.
Cheap Car Insurance Comparisons
All the larger car insurance companies such as Allstate, GEICO and Progressive quote insurance quotes on their websites. The process is pretty painless as you simply type in your coverage preferences as detailed in the form. When the form is submitted, their rating system obtains your credit score and driving record and gives you a price quote based on many factors. Quoting online helps simplify price comparisons, but the process of having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you are searching for a lower rate.
Isn’t there an easier way to compare rates?
The smarter way to find better car insurance pricing is to use a quote form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much more enjoyable. Immediately after you send the form, it gets priced and you are able to buy any or none of the price quotes you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.
If you currently have coverage, we recommend you duplicate your coverages as close as possible to your current policy. Using the same limits helps guarantee you will be getting comparison quotes using the exact same coverages.
Do you qualify for a discount?
Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but a few must be manually applied before being credited.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Sierra insurance than drivers with accident claims.
- Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
- Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- One Accident Forgiven – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
- Fewer Miles Equal More Savings – Keeping the miles down on your GMC can qualify you for lower rates on the low mileage vehicles.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Keep in mind that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.
What coverages do I need?
When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you would benefit from an agent’s advice.
- When do I need to add a new car to my policy?
- Why does it cost so much to insure a teen driver?
- Will I lose any money if I cancel my policy before it expires?
- Does having multiple vehicles earn me a discount?
- What is an SR-22 filing?
- What happens if I owe more than my 2013 GMC Sierra 1500 is worth?
- When should I not file a claim?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent.
Detailed coverages of your insurance policy
Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.
Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, funeral costs, dental work, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from a tornado or hurricane, theft and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for collisions
This coverage will pay to fix damage to your Sierra 1500 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like sustaining damage from a pot hole, hitting a parking meter, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 1500.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.
Power to the consumer
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford.
You just read many ideas to save on 2013 GMC Sierra 1500 insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.
More tips and info about auto insurance is available in these articles:
- Auto Theft Statistics (Insurance Information Insitute)
- What Insurance is Cheapest for a GMC Sierra in Pittsburgh? (QuotePittsburgh.com)
- Speed and Speed Limit FAQ (iihs.org)
- Choosing a Car for Your Teen (State Farm)
- Prom Night Tips for Teen Drivers (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)
- How to Avoid Common Accidents (State Farm)
Rates by U.S. City
|New York City, NY||$1,989|
|Los Angeles, CA||$2,148|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$87|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.