The best car insurance companies for GMCs are American Family, Farmers, and State Farm.

State Farm is the cheapest GMC car insurance company for $100/month. USAA has lower rates but only provides military car insurance, while State Farm is available to everyone.

Company	Rank	UBI Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	30%	A	Add-On Coverages	American Family
	#2	30%	A	Discount Variety	Farmers
	#3	30%	B	Personalized Service	State Farm
	#4	30%	A+	Local Agents	Allstate
	#5	30%	A++	Military Drivers	USAA
	#6	25%	A++	Lowest Rates	Geico
	#7	30%	A	Accident Forgiveness	Liberty Mutual
	#8	30%	A+	UBI Discount	Progressive
	#9	40%	A+	Multi-Policy Discounts	Nationwide
	#10	30%	A++	Business-Use Coverage	Travelers

Drivers can lower their GMC insurance costs by asking for discounts, and Farmers offers more car insurance discounts than any other national provider.

Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.

What You Should Know

• State Farm offers the leading GMC rates, starting at $100/month
• American Family has policies tailored for GMC owner needs
• Farmers includes diverse discounts for GMC drivers

#1 – American Family: Top Overall Pick

Pros

• Extensive Coverage Options: American Family offers a wide range of add-on coverages for GMCs, providing options like gap insurance and emergency road service.
• Affordable Add-Ons: Cost-effective add-ons make enhancing basic coverage for GMCs accessible without expensive rates. Learn more in our American Family reviews.
• Cheap Teen Insurance: American Family offers competitive insurance rates for teen GMC drivers.

Cons

• Availability Varies: American Family GMC car insurance isn't available in every state.
• Potential Overlap in Coverage: Customers may purchase add-ons for GMCs that overlap with existing protections, leading to unnecessary extra costs.

#2 – Farmers: Best for Discount Variety

Pros

• Diverse Discounts: Farmers offers a variety of discounts for GMC owners, including multi-car, safe driver, and loyalty discounts.
• Customized Policy Reductions: Based on our Farmers reviews, tailored discount opportunities can significantly reduce premiums for qualified GMC drivers.
• Affinity Discounts: Special rates for members of certain professions and associations, providing extra value for GMC owners.

Cons

• Qualification Criteria: Some discounts have strict qualification criteria that may exclude many GMC owners from eligibility.
• Variable Discount Impact: The actual impact of discounts on premiums can vary widely depending on the state and individual circumstances for GMC drivers.

#3 – State Farm: Best for Personalized Service

Pros

• Personal Agent Access: Within our State Farm reviews, GMC owners receive personalized service from dedicated agents, ensuring tailored advice and support.
• Flexible Policy Management: Easy adjustment of coverages as GMC owners' needs change, facilitated by accessible agent support.
• Exceptional Customer Service: State Farm ranks in the top five for GMC customer service and claims satisfaction in annual J.D. Power surveys.

Cons

• Financial Downgrade: Despite great GMC claims service, A.M. Best downgraded State Farm's financial grade due to increased number of claims.
• Customer Service Varies: GMC Drivers in different states may have variable service according to some reviews.

#4 – Allstate: Best for Local Agents

Pros

• Local Expertise: Allstate's local agents provide invaluable insights and personalized advice specific to GMC owners' regional conditions.
• Community Engagement: Agents often participate in local events, enhancing their understanding of the community's insurance needs for GMCs.
• Customer Support: In our Allstate reviews, the company excels at GMC insurance claims and policy support.

Cons

• Dependence on Agent Expertise: The quality of service can heavily depend on the specific regional agent's expertise and responsiveness for GMC owners.
• Potential for Higher Premiums: Personalized local service may come at a cost, potentially leading to higher GMC insurance costs.

#5 – USAA: Best for Military Drivers

Pros

• Exclusive Military Discounts: Learn how military members get discounts on GMC car insurance in our USAA reviews.
• Deployment Flexibility: Customizable payment plans cater to the fluctuating financial situations of military personnel, including those with GMC vehicles.
• Comprehensive Financial Services: Beyond insurance, USAA provides full banking services that seamlessly integrate with the insurance needs of GMC owners.

Cons

• Eligibility Restrictions: Limited to military members, veterans, and their families, which restricts access for many GMC owners.
• Regional Variation in Coverage: Benefits and coverage options may differ by location, impacting the consistency of service for GMC owners.

#6 – Geico: Best for Lowest Rates

Pros

• Competitive Pricing: Offers some of the lowest car insurance rates for GMC owners at $115/month.
• Extensive Discounts: Wide range of discounts available for GMCs, including for safe driving and vehicle safety features.
• Efficient Online Tools: Famous for its efficient online claims processing and policymanagement

Cons

• No Gap Insurance: Geico does not have gap policies for new GMCs.
• Online-First Approach: May not suit GMC owners who prefer face-to-face interactions, as most services are optimized for online management.

#7 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Protects GMC owners from premium increases after their first accident, a valuable feature for maintaining long-term affordability.
• Customized Add-Ons: Offers a variety of endorsements to enhance coverage for GMCs, such as new car replacement and better car replacement.
• Loyalty Rewards: Long-term GMC customers receive decreasing deductibles and accident forgiveness. Learn more in our Liberty Mutual reviews.

Cons

• Higher Premiums: Enhanced features like accident forgiveness may come at a higher cost compared to other insurers for GMC owners.
• Eligibility Requirements: Accident forgiveness and other benefits may require meeting specific criteria, such as a clean driving record for GMC drivers.

#8 – Progressive: Best for UBI Discount

Pros

• Usage-Based Discounts: Progressive Snapshot offers discounts for safe driving, appealing particularly to GMC owners who are low-mileage drivers.
• Exceptional UBI Service: Snapshot is in the top three for best GMC usage-based car insurance.
• Innovative Tools: View our Progressive reviews, access to online tools and a mobile app that help GMC owners manage policies and track discount eligibility.

Cons

• Privacy Concerns: The usage-based insurance model requires sharing driving data, which might concern privacy-focused GMC owners.
• Potential for Premium Increases: If the driving data indicates risky behavior, premiums may increase GMC insurance rates.

#9 – Nationwide: Best for Multi-Policy Discounts

Pros

• Substantial Multi-Policy Discounts: Combining GMC auto insurance with other policies like home insurance can lead to significant savings.
• Broad Coverage Options: See our Nationwide reviews for a wide array of coverage options that can be tailored to the specific needs of GMC drivers.
• Strong Financial Stability: Nationwide's robust financial health ensures reliability and the ability to handle claims efficiently for GMC owners.

Cons

• Complex Policy Management: Managing multiple policies might be complex and time-consuming for some GMC owners.
• Varied Customer Experience: Quality of customer service can vary widely based on location and agent, affecting GMC owners.

#10 – Travelers: Best for Business-Use Coverage

Pros

• Specialized Business Coverage: Tailored policies for GMC business insurance, providing necessary protections like liability and property damage.
• Risk Management Services: Offers additional services such as risk assessments and custom safety programs to help business owners reduce potential GMC insurance claims.
• Insurance Discounts: Read our Travelers reviews for discounts on multiple GMC vehicles or maintaining a safe driving record.

Cons

• Poor Claims Service: GMC drivers rank Travelers below average when it comes to processing car insurance claims.
• Eligibility and Underwriting Restrictions: Certain business use policies for GMCs may have strict qualifications or require detailed documentation.

Top Car Insurance Rates for GMCs

When choosing car insurance for your GMC, knowing the monthly costs for both minimum and full coverage is essential for making a well-informed choice. The following table compares the monthly insurance rates from different companies, outlining the expenses for both types of coverage.

This comparison helps you easily evaluate the options, making it simpler to select the insurance provider that offers the best balance of coverage and cost for your needs.

USAA offers the lowest rates, with minimum coverage at $100 and full coverage at $150. On the higher end, Liberty Mutual charges $145 for minimum coverage and $215 for full coverage, making it the most expensive option listed.

Check out our American Family KnowYourDrive Review to see how you can maximize your GMC car insurance savings.

GMC Car Insurance Discounts

Explore a wide array of discounts offered by top providers of GMC auto insurance, including multi-policy bundles, safe driving rewards, and specific savings for new cars and good students.

Whether you're installing anti-theft devices or maintaining excellent grades, there's a variety of ways to reduce your premiums and enhance your coverage.

If you've ever wondered why car insurance is so expensive, it’s important to consider various factors, such as your driving record, location, vehicle model, and the specific coverages included in your policy.

Choosing the Best GMC Car Insurance

When selecting car insurance for your GMC, several key factors come into play that can significantly impact both your coverage and costs. Here's what you should keep in mind:

• Coverage Needs: Determine whether you require basic liability insurance or more comprehensive coverage that includes collision and comprehensive.
• Discount Opportunities: These can include multi-policy discounts, safe driving rewards, and savings for new vehicles and good students. Always inquire about available discounts to maximize your savings.
• Customer Service and Claims Satisfaction: Opt for companies known for their customer service and efficient claims process. This can greatly reduce stress in case of an accident or claim.
• Add-Ons and Special Features: Some insurers offer unique add-ons like accident forgiveness, roadside assistance, or usage-based insurance discounts. Consider which additional features could benefit you the most.
• Company Reputation and Financial Stability: Research the financial health and customer reviews of insurance companies. A financially stable company is more likely to handle claims effectively and provide consistent service.

Each company has its own method of assessing risk and calculating premiums, so prices can vary significantly. It's beneficial to compare quotes from multiple insurers to find the best GMC car insurance rates for the coverage you need.

Regularly review and update your coverage to adapt to changes in your driving habits or vehicle condition to ensure optimal protection.

This decision should be influenced by your GMC's value, usage, and your personal comfort with potential risks.

Read More: Top Ways Customers Have Saved Money on Car Insurance Rates

Smart Savings for GMC Car Insurance

Prioritize companies that offer a blend of comprehensive coverage options and competitive pricing. Leveraging discounts is also crucial.

Many insurers provide reduced rates for safety features, low mileage, and multi-policy bundles. Consider the cost benefits of taking a defensive driving course, which can lead to significant discounts on your insurance premiums.

Always adjust your coverage based on changes in your driving habits or vehicle condition to ensure that you are not over-insured or under-protected. By following these strategies, GMC owners can secure reliable insurance that fits their budget and coverage needs.

Making Your Choice: GMC Car Insurance Companies

Select the right car insurance for a GMC by balancing premiums, coverage options, and customer service. Opt for a provider with comprehensive coverage, competitive prices, and dependable support.

American Family, Farmers, and State Farm are the best car insurance companies for GMCs for cheap rates and customizable coverage.

Utilize discounts for multi-policy bundles, safe driving, and vehicle safety features to maximize savings.

Ask yourself what kind of car insurance you really need to tailor your policy appropriately. Regularly adjust your policy to fit your current needs, ensuring proper coverage without being over-insured or under-insured.

Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.

Frequently Asked Questions

How do you save money on truck insurance for a GMC?

Check out 14 ways to lower your auto insurance rates, including bundling policies, maintaining a clean driving record, opting for higher deductibles, and taking advantage of discounts. Comparing quotes from various providers can also ensure you get the best deal.

Why is truck insurance for GMCs so expensive?

GMC truck insurance can be more expensive due to factors such as the vehicle's size, potential repair costs, and the higher likelihood of accidents causing significant damage. Customizing your coverage and exploring different insurance companies for GMCs can help manage costs.

Are GMC trucks expensive to insure?

Insuring a GMC truck can vary in cost depending on factors such as the model, your location, driving history, and the specific coverage options you choose. Comparing quotes from different car insurance companies for GMCs can help you find the best rates.

Where is GMC car insurance the most expensive?

Why is car insurance so expensive? Car insurance for GMCs tends to be more expensive in urban areas with high traffic, regions with high accident rates, or areas prone to theft and vandalism. States like Michigan and Louisiana are known for higher insurance costs.

What is the most economical car insurance company for GMCs?

The most economical car insurance company for GMCs is State Farm with rates as low as $100/month.

Who has to pay the most for GMC car insurance?

Factors such as age, driving record, location, and the specific model of GMC can affect who pays the most for car insurance. Young drivers, those with poor driving records, or those living in high-risk areas have the highest GMC insurance costs.

How do I lower my GMC car insurance premiums?

Lowering car insurance premiums for your GMC can be achieved by maintaining a clean driving record, utilizing available discounts, opting for a higher deductible, and comparing rates from multiple car insurance companies.

Are GMC pickup trucks cheaper to insure than GMC SUVs?

Insurance costs can differ between GMC pickup trucks and GMC SUVs based on the vehicle's safety features, repair costs, and risk factors. Generally, comparing rates from car insurance companies for GMCs will provide a clearer picture of which type is more economical to insure.

Which car insurance company for GMCs has the least complaints?

Insurance companies such as USAA and American Family are often recognized for having fewer complaints and higher customer satisfaction. Researching reviews and ratings can help identify providers with the best reputation.

Which car insurance company for GMCs has the best customer satisfaction?

Companies like American Family, USAA, and Farmers are frequently praised for their customer satisfaction due to their personalized service and comprehensive coverage options. Checking customer reviews and ratings can provide insights into their service quality.