GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive insurance costs approximately $176 each year, collision costs $274, and liability is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers costing $2,520 or more. Teens receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location and risk profile, 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 breaks down estimated GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save $102 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,164
• Selecting low deductibles will cost an extra $198 annually
• Drivers with serious driving violations could pay around $2,520 or more
• The cost for full coverage for a 16-year-old driver can cost $4,712

View Chart as Image

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on your driver profile, the model of your Sierra 2500HD, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly 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 Affordable GMC Sierra 2500HD Insurance

Saving money on insurance for a GMC Sierra 2500HD consists of being a good driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at every other renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following list is a brief review of the concepts that were touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,360 more per year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, as much as $393 per month including comprehensive and collision insurance
• You may be able to save around $130 per year simply by quoting online in advance
• Increasing deductibles can save around $300 each year
• You may be able to save around $130 per year simply by quoting online in advance