GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs on average $176, collision costs $274, and liability insurance is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,520. Teen drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist 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

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save around $102 every year
• The average price for a good driver age 40 with $500 deductibles is $1,164
• Choosing more expensive low deductibles increases the price to $1,362
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• Policy cost to insure a teen driver with full coverage may cost $4,712

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Sierra 2500HD.

Choosing high deductibles can reduce rates by up to $300 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Your home state also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and 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 Shop for Cheaper GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a condensed summary of the information presented in the illustrations above.

• You may be able to save as much as $130 per year simply by shopping early and online
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $393 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,360 more each year than a driver with a clean driving record
• Drivers who require additional liability coverage will pay about $590 per year to raise from a 30/60 limit to a 250/500 level