GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive insurance costs an estimated $176, collision costs $274, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,520 or more. Teens pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

These rate differences show why everyone should get quotes for a targeted area and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save approximately $102 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,164
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $198 every year
• Unlucky drivers with serious driving violations could pay up to $2,520 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,712 each year

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Insurance prices for a GMC Sierra 2500HD also have a wide range based on your driving characteristics, the trim level of your Sierra 2500HD, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,660 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $300 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,400 to $2,000 additional annually, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges as much as 42% to 133% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially different from one company to the next.

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 Cheap GMC Sierra 2500HD Insurance

Finding better rates on car insurance takes having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a brief summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,360 more annually to buy GMC Sierra 2500HD insurance
• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $300 each year
• Policyholders who want increased levels of liability coverage will pay approximately $590 each year to raise limits from 30/60 bodily injury limits to 250/500 limits