Best Car Insurance Company for GMCs (2023)

GMC car insurance quotes can be vastly different in price, but drivers with clean driving records should be able to find car insurance for GMC vehicles at a reasonable rate. Whether you are looking for GMC auto insurance for a GMC Acadia or GMC Envoy, this guide will help you find cheap car insurance for your GMC.

Continue reading to learn about how to find the best car insurance company for GMCs, from what coverages to look for to ways to save no matter what car insurance company you pick.

Types of Car Insurance Coverages for GMCs

One way to save on car insurance is to carry only the strictly necessary car insurance coverages. You will need to carry the types of car insurance coverage required by your state’s laws and, if applicable, the coverages required by your GMC’s lender. Most states require at least a few of the following car insurance coverages if not all of them.

• Liability insurance coverage: This coverage is required by the vast majority of states and pays other parties’ costs if you cause an accident that injures others or damages property.
• Medical Payments (MedPay) insurance coverage: This coverage is required in some states and helps pay for your and your passenger’s medical bills after an accident.
• Personal Injury Protection (PIP) insurance coverage: This coverage is required in some states and helps pay for your and your passenger’s medical bills, lost wages, and more after an accident. Find the best personal injury protection car insurance companies.
• Uninsured/underinsured motorist insurance coverage: These coverages are required in some states and help pay your accident bills if you are hit by a driver with limited insurance or no insurance. Find the best uninsured motorist coverage car insurance companies.

Every state is also different in what limits of coverage it requires, so some states may require more liability coverage than others. If your state only requires low amounts of coverage, you may wish to carry higher limits of insurance if you can afford the extra cost for better protection on your GMC.

The other two coverages you might be required to carry are collision and comprehensive insurance. You will only need these coverages if you have a lease or loan on your vehicle, but both are good car insurance coverages to carry even if you aren’t required to.

• Collision car insurance coverage: Required by lenders and pays for your GMC’s repairs if you crash into another car. Find the best collision coverage car insurance companies.
• Comprehensive car insurance coverage: Required by lenders and pays for your GMC’s repairs from weather, collisions with animals, and more.

Most drivers benefit greatly from carrying collision and comprehensive insurance, as it covers their GMC’s repair costs. Only drivers that have old GMC models greatly depreciated in value should consider dropping collision and comprehensive insurance for a cheaper policy.

The basic rule of thumb with this is that if the cost of collision and comprehensive insurance would equal the value of your car in a few years, you can skip out on these coverages. In all other cases, you should carry collision and comprehensive insurance on your GMC so your repairs are covered.

Optional Car Insurance Coverages for GMCs

All other coverages you will see offered at your car insurance company are optional, and the optional coverages will vary in availability depending on where you live and what company you choose. For example, a car insurance company may not offer roadside assistance in every state it sells insurance. Some common coverages you may see offered by your insurance are the following:

• Gap insurance coverage: If your GMC is totaled, gap insurance will help pay the difference between what is left on your loan and what you are paid for the totaled vehicle.
• Modified car insurance coverage: If you have modifications to your vehicle, modified car insurance will cover the increased value of these modifications. Find the best car insurance companies that cover modified cars.
• Rental car insurance coverage: If you need a rental car while your GMC is in the shop, rental car insurance helps pay for a rental.
• Roadside assistance insurance coverage: If you break down, roadside assistance will help get your car started or tow you to a nearby repair shop.
• Umbrella insurance coverage: If you want extra liability insurance, umbrella insurance can be added to your car insurance policy.

It is up to you if you want to add these coverages to your policy, as they are not required and will raise your car insurance rates.

Average GMC Insurance Rates

Insurance costs are important to consider when shopping for a model of car. The average cost of car insurance varies based on several factors. Some of the factors that will affect your car insurance rates are which model you choose and which coverages you choose, as you can see from the car insurance rates below.

A GMC Sierra 2500HD will be more expensive to insure, as is the GMC Yukon. Models that will be cheaper to insure are the GMC Acadia and the GMC Canyon. Basically, GMC models with higher retail costs will have higher insurance rates.

This is because replacement parts cost more if serious damage to expensive cars occurs. As well, if the more expensive GMC is totaled, insurance will have to pay you more than if a cheaper car was totaled.

In addition to what model you own, two other factors that will play a bearing on what insurance rates you pay are age and driving record, shown by the rates below.

If you are a younger driver or a driver with a poor driving record, make sure you do research into which companies are best for your driving demographic. For example, a company that is advertised as cheap may be cheap for the majority of drivers but not for drivers with a DUI or drivers under the age of 20.

Picking the Right GMC Car Insurance Company

Price is a big factor to consider when shopping among car insurance companies, and it is usually one of the top deciding factors when drivers are looking for a new car insurance company. However, there are other things to consider when looking for the best company for your GMC. You should also consider the following factors when picking a company.

• Customer ratings: Make sure to check customer satisfaction ratings for claims, customer service, and more.
• Financial ratings: Make sure the company has strong financial ratings and is well-established.
• Mobile ratings: If you like using apps to file claims and manage your policy, make sure that the company you are interested in has a functional app that is rated well.

Some sites to check for car insurance company ratings include A.M. Best, J.D. Power, and the BBB. You want to ensure the company has solid ratings and a smooth claim-handling process before signing up.

Ways to Save on GMC Car Insurance

If you want to save on your GMC car insurance rates, the first thing you can do is see if your car insurance company has any more car insurance discounts you can apply for. If your car insurance company sells more than one type of insurance, you could purchase a second type of insurance to earn a bundling discount.

You can also check for defensive driver discounts, good student discounts, and other discounts that aren’t automatically applied to policies. If you qualify, you can sign up for these discounts by submitting proof of eligibility, such as a transcript showing that you are earning B grades or higher at school.

If you have already gotten all the car insurance discounts available to you, then you can look into raising your car insurance deductibles to lower your car insurance rates. You should only do this if you have a low deductible, as you still want to easily afford to pay the car insurance deductible after an accident. If you raise your car insurance deductible too high, then you may be stuck waiting for your car to be repaired until you can save up enough money to pay your deductible.

Finally, if you have already worked to lower your car insurance rates at your current insurance company, then the next thing you should do is see what rates other companies are charging. Getting plenty of car insurance quotes will help drivers see which company has the best coverage and rate for their needs. Learn how to get car insurance.

The Final Word on GMC Car Insurance

The majority of drivers will be able to find affordable car insurance rates for their GMC. Most GMC models have average rates, although more expensive models will cost more on average to insure. Drivers with poor driving records will also have higher rates, but as long as they take the time to compare car insurance rates, they should be able to save at least a little on their policy.

To find the best car insurance company for GMCs in your area, use our free car insurance quote comparison tool. It helps you find the best rate and coverage for your GMC model.