GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs an estimated $176, 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 broken down by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

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

The examples above show why everyone should compare prices for a targeted area, instead of using rate averages.

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

Additional Charts and Tables

The chart below shows estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save approximately $102 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,164
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,362
• Drivers with multiple tickets or accidents could pay up to $2,520 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the model of your Sierra 2500HD, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 extra every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be as much as 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little 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 at least $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 $770 a year in states like Iowa, Maine, and Idaho, or at least $1,660 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $300 every year, whereas buying more liability protection will increase premiums. Going 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 know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. 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 car insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop at least once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a condensed summary of the primary concepts that were covered above.

• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents may pay on average $1,360 more annually to insure a GMC Sierra 2500HD
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $393 each month if full coverage is included