GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs on average $176 a year, collision insurance costs $274, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,520. Teens pay the most at up to $4,712 a year.

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay around $1,062 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,164
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,362
• Drivers with serious driving violations could pay upwards of $2,520
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,712 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

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 Affordable GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD not only requires being safe and accident-free, but also maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Take the time to compare rates once a year by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief review of the data that was covered in the above illustrations.

• It is possible to save as much as $130 per year just by quoting early and online
• Insureds who require more liability protection will pay approximately $590 annually to go from 30/60 bodily injury limits to 250/500 limits
• Youthful drivers pay the highest prices, with premiums being up to $393 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,360 more each year than a low-risk driver