GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive insurance costs approximately $190 a year, collision costs $300, and liability coverage is estimated at $540. Buying just liability costs approximately $592 a year, with insurance for high-risk drivers costing $2,616 or more. Teenage drivers receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save $1,098 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,210
• Using low $100 deductibles for comp and collision coverage will cost an extra $214 each year
• Drivers who are prone to accidents and violations could pay around $2,616 or more
• The cost for full coverage for a teenage driver can cost $4,856 each year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $330 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, 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 the Right GMC Sierra 2500HD Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, not filing small claims, and not having any coverage lapses. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below you'll find a quick rundown of the information touched on above.

• You may be able to save around $140 per year simply by quoting early and online
• Youthful drivers have the highest car insurance rates, as much as $405 per month if they have full coverage
• Increasing deductibles can save around $325 each year
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,410 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay an extra $590 per year to raise limits from a minimum limit to 250/500 limits