GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects insurance prices.

These examples illustrate why all drivers should get quotes for a targeted area, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save approximately $102 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,164
• Selecting low deductibles for comp and collision coverage will cost an additional $198 annually
• Higher-risk drivers with serious driving violations could pay up to $2,520 or more
• The cost that insures a 16-year-old driver can cost as much as $4,712 each year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates can be significantly different.

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 Cheapest GMC Sierra 2500HD Insurance

Saving money on insurance for a GMC Sierra 2500HD takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a recap of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,360 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, costing up to $393 per month if comprehensive and collision insurance is included
• It is possible to save approximately $130 per year simply by quoting online in advance
• Increasing deductibles can save approximately $300 each year
• It is possible to save approximately $130 per year simply by quoting online in advance