GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs an estimated $176 a year, collision costs $274, and liability costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,520. 16-year-old drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to compare prices for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below shows estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save approximately $1,062 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,164
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,362
• High-risk insureds with multiple tickets or accidents could pay up to $2,520 or more
• Policy cost that insures a 16-year-old driver can cost as much as $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level of your Sierra 2500HD, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,660 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $300 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied.

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 Find Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every couple of years by requesting rates from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a review of the material that was touched on in the above illustrations.

• Insureds who want more liability protection will pay around $590 each year to increase from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $393 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,360 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $300 each year