GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive costs around $176 a year, collision insurance costs $274, and liability insurance is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,520. Teens cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save about $1,062 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,164
• Selecting low $100 deductibles bumps up the cost to $1,362
• Higher-risk drivers with serious driving violations could pay at least $2,520
• Policy cost that insures a teen driver can be $4,712

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level of your Sierra 2500HD, your driving record and age, and deductibles and policy limits.

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 each year, while buying higher liability limits will increase rates. Changing 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

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 cheaper rates on GMC Sierra 2500HD insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.

Below is a brief summary of the car insurance concepts touched on in this article.

• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,360 more every year for auto insurance
• You may be able to save up to $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers who may need higher levels of liability will pay approximately $590 per year to raise from a 30/60 limit to the 250/500 level