GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs approximately $176, collision costs $274, and liability coverage costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing around $2,520. Teen drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save $102 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,164
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,362
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,520 or more
• The cost for full coverage for a teenage driver for full coverage can cost $4,712 or more

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $300 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be around 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly 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 More Affordable GMC Sierra 2500HD Insurance

Saving money on auto insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following list is a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,360 more per year than a safer driver
• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $300 each year
• Consumers who purchase an increased level of liability coverage will pay about $590 annually to increase from a minimum limit to 250/500 limits