GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive insurance costs approximately $176 each year, collision costs $274, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,520 or more. Teenage drivers 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes 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.

Detailed Rate Analysis

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

• The best discount rate is $700
• Raising to $1,000 deductibles will save $102 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,164
• Using low deductibles will cost an extra $198 annually
• Drivers who are prone to accidents and violations could pay around $2,520 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,712

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $300 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates 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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD consists of being a good driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $130 per year simply by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,360 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $393 each month including comprehensive and collision insurance