GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs around $176 a year, collision costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing around $2,520. 16-year-old drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Price estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save about $1,062 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,164
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,362
• High-risk insureds with multiple tickets or accidents could pay at least $2,520 or more
• Policy cost that insures a 16-year-old driver can be $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level of your Sierra 2500HD, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 133% more than the average rate. View High Risk Driver Rates

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

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $300 annually, while buying higher liability limits will increase rates. Switching 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 figure out your exact price is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, 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 Cheaper GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD requires not taking risks behind the wheel, having above-average credit, being claim-free, and insuring your home and auto with the same company. Comparison shop at every policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a condensed summary of the data touched on in this article.

• Insureds who may need higher liability limits will pay around $590 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save up to $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teens pay higher rates, possibly costing $393 each month if full coverage is included