GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive costs approximately $176, 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. Teenage drivers pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $700
• Using higher $1,000 deductibles will save $102 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,164
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,362
• High-risk insureds who are prone to accidents and violations could pay around $2,520 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $4,712 or more

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Insurance prices for a GMC Sierra 2500HD also have a wide range based on your driving characteristics, the model of your Sierra 2500HD, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,660 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles could cut prices by as much as $300 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be from 42% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so the prices will be substantially 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 Low Cost GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD requires being safe and accident-free, maintaining good credit, refrain from filing small claims, and maximizing policy discounts. Spend time shopping around every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a review of the coverage data touched on above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $300 each year
• Youthful drivers are expensive to insure, with the cost nearing $393 per month for full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,360 more per year than a low-risk driver