GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive costs around $190, collision insurance costs $300, and liability costs $540. A liability-only policy costs as little as $592 a year, and high-risk insurance costs around $2,616. Teens cost the most to insure at up to $4,856 a year.

Average premium for full coverage: $1,210

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below breaks down average GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $724
• Drivers who choose higher $1,000 deductibles will pay about $112 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,210
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,424
• Drivers with serious driving violations could pay at least $2,616
• Policy cost that insures a 16-year-old driver with full coverage can be $4,856 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations 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 will be charged as much as $4,800 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 $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,730 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $330 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on insurance for a GMC Sierra 2500HD not only requires being safe and accident-free, but also having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a summary of the ideas that were covered above.

• Youthful drivers are the costliest to insure, with premiums being up to $405 each month if full coverage is purchased
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,410 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• You may be able to save up to $140 per year just by shopping early and online