GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs on average $176, collision costs $274, and liability costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing around $2,520. Teens cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on car insurance rates.

The examples above show why everyone should compare rates based on a specific location, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below shows estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay around $102 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,164
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• Drivers with serious driving violations could pay upwards of $2,520 or more
• Policy cost that insures a 16-year-old driver for full coverage may cost $4,712 a year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the model of your Sierra 2500HD, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Every company calculates rates differently, so the rates will be varied.

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 Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,360 more each year for auto insurance
• Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Insureds who require higher levels of liability will pay approximately $590 each year to go from a 30/60 limit to the 250/500 level