GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, minimum liability limits, 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 congested cities. The price range example below illustrates how location impacts 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 rate averages.

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 best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay about $102 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,164
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $198 annually
• Drivers with multiple tickets or accidents could pay at least $2,520
• Policy cost that insures a 16-year-old driver with full coverage can be $4,712 a year

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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 $2,000 extra every year, depending on your age. High-risk driver insurance can cost from 42% to 133% more than the average rate. 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 highest for teenagers, since even teens with perfect driving records will be charged as much as $4,700 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 $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.

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Opting for high physical damage deductibles could save up to $300 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 $480 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 Cheaper GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every couple of years by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a condensed summary of the material that was touched on above.

• Insureds who may need increased levels of liability coverage will pay around $590 per year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $393 each month if full coverage is purchased
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,360 more every year to buy GMC Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year