GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive costs an estimated $190 a year, collision costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $2,616. Teenage drivers pay the most at $4,856 a year or more.

Average premium for full coverage: $1,210

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save approximately $1,098 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,210
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,424
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,616 or more
• An auto insurance policy that insures a 16-year-old driver can cost as much as $4,856 each year

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying $1,400 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,800 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 $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $330 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $486 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

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 Cheaper GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD takes being a good driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Compare prices every time your policy renews by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the information covered above.

• You may be able to save approximately $140 per year simply by quoting early and online
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $405 per month if full coverage is included
• Increasing policy deductibles can save approximately $325 each year
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,410 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay an extra $590 per year to raise limits from 30/60 bodily injury limits to the 250/500 level