GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,570 a year with full coverage. Comprehensive insurance costs around $320, collision costs $630, and liability costs around $440. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $3,410 or more. Teenage drivers pay the most at $5,876 a year or more.

Average premium for full coverage: $1,570

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $898
• Using higher $1,000 deductibles will save about $216 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,570
• Using more expensive low deductibles for physical damage coverage will cost an additional $422 annually
• High-risk insureds who are prone to accidents and violations could pay at least $3,410 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $5,876 or more

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance can be from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see prices as low as $1,130 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,120 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $640 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 Cheapest GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD requires having a decent driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a recap of the data that was touched on above.

• You may be able to save up to $190 per year simply by shopping early and online
• Insureds who may need additional liability coverage will pay an extra $480 every year to increase from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $490 per month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents may pay on average $1,840 more every year than a driver with a clean driving record