GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs around $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. Teens cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and their own driving history, instead of using 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 choices and driver risks.

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save about $1,062 every year
• The average price for a good driver age 40 using $500 deductibles is $1,164
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,362
• Drivers with serious driving violations could pay at least $2,520 or more
• Policy cost to insure a teen driver can be $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for 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 can be as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see 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

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, 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 Shop for Cheaper GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a condensed summary of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $393 each month if full coverage is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,360 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save up to $130 per year simply by quoting early and online