GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive costs on average $176 a year, collision costs $274, and liability coverage costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,520. Teenage 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:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $700
• Using higher $1,000 deductibles will save around $1,062 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,164
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,362
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,520 or more
• Policy cost for full coverage for a teenage driver may cost $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $300 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 the Cheapest GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a recap of the primary concepts that were covered in the above illustrations.

• You may be able to save as much as $130 per year simply by quoting early and online
• Drivers that have major violations or accidents may be required to pay an average of $1,360 more each year to insure their Sierra 2500HD
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teen drivers pay higher rates, as much as $393 each month including comprehensive and collision insurance