GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually including full coverage. Comprehensive insurance costs around $176, collision costs $274, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing $2,520 or more. Teenage drivers 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:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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 best discount rate is $700
• Raising to $1,000 deductibles will save about $102 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,164
• Using more expensive low deductibles costs an additional $198 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,520 or more
• Policy cost with full coverage for a teen driver with full coverage can be $4,712

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect 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 caused a few accidents, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $300 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Your home state 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,660 on average in Michigan, New York, and Louisiana.

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Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy the Best GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance consists of being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the concepts that were touched on in this article.

• Higher risk drivers who tend to receive serious violations may pay on average $1,360 more every year than a low-risk driver
• Youthful drivers pay higher rates, with premiums being up to $393 each month including comprehensive and collision insurance
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• You may be able to save up to $130 per year simply by shopping early and online