GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months for full coverage insurance. Comprehensive insurance costs around $190, collision insurance costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs $2,616 or more. Teens cost the most to insure at up to $4,856 a year.

Average premium for full coverage: $1,210

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates average GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $724
• Choosing higher $1,000 deductibles can save about $112 each year
• The average price for a good driver age 40 using $500 deductibles is $1,210
• Selecting pricier low deductibles for comp and collision coverage costs an extra $214 annually
• Higher-risk drivers with serious driving violations could pay at least $2,616
• Policy cost to insure a 16-year-old driver for full coverage can be $4,856 each year

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Insurance rates for a GMC Sierra 2500HD also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $486 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,400 to $2,100 additional every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges from 43% to 129% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,630 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD takes being a good driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the concepts that were covered above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,410 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest rates, possibly costing $405 each month if full coverage is included
• It is possible to save up to $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• It is possible to save up to $140 per year just by quoting online well ahead of the renewal date