GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months with full coverage. Comprehensive insurance costs an estimated $176, collision insurance costs $274, and liability coverage costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs $2,520 or more. Teens pay the most at up to $4,712 a year.

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details average GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $102 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,164
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $198 each year
• High-risk insureds with serious driving violations could pay up to $2,520
• An auto insurance policy to insure a teenage driver with full coverage can cost as much as $4,712 a year

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Auto insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $300 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,570 on average in New York, Michigan, and Florida.

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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 the Best GMC Sierra 2500HD Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the concepts that were covered in the charts and tables above.

• Drivers who tend to receive serious violations may pay on average $1,360 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $393 per month if comprehensive and collision insurance is included
• You may be able to save approximately $130 per year just by shopping early and online
• Increasing policy deductibles could save as much as $300 each year
• You may be able to save approximately $130 per year just by shopping early and online