GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive costs on average $176, collision costs $274, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing around $2,520. 16-year-old 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:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, 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

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on rate 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 best full coverage rate is $700
• Choosing higher $1,000 deductibles can save around $102 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,164
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,362
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,520 or more
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,712 each year

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 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.

View Chart as Image

Opting for high physical damage deductibles can save as much as $300 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted 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 Find the Right GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the data covered above.

• Insureds who require higher liability limits will pay around $590 per year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teenagers are charged the highest rates, with premiums being up to $393 each month if the policy includes full coverage