GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive insurance costs approximately $190 each year, collision costs $300, and liability is estimated at $540. A liability-only policy costs approximately $592 a year, with high-risk insurance costing $2,616 or more. Teens cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,210

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why all drivers should get quotes using their specific location and risk profile, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $724
• Choosing higher $1,000 deductibles can save $112 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,210
• Selecting low deductibles for comp and collision coverage will cost an extra $214 every year
• Unlucky drivers with serious driving violations could pay around $2,616 or more
• Policy cost for full coverage for a teen driver can cost $4,856 each year

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD also range considerably based on your risk profile, the model of your Sierra 2500HD, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied 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 Cheapest GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to comparison shop at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the data touched on in the above illustrations.

• Policyholders who purchase more liability protection will pay approximately $590 per year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save around $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Youthful drivers pay the highest auto insurance rates, with premiums being up to $405 each month if full coverage is included