GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why everyone should compare rates using their specific location and risk profile, rather than using price averages.

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

More Rate Details

The chart below details estimated GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay $102 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,164
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $198 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,520 or more
• The cost for full coverage for a teenage driver for full coverage can cost $4,712 a year

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you 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 as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $300 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost around 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so the 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 the Best Cheap GMC Sierra 2500HD Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following is a quick review of the data that was covered above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase higher liability limits will pay about $590 every year to go from a minimum limit to 250/500 limits
• Teens are expensive to insure, with premiums as much as $393 per month for full coverage
• Drivers with a DUI or reckless driving violation pay on average $1,360 more per year for Sierra 2500HD insurance