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 insurance costs $274, and liability coverage costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,520. Teens cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/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 cities with more traffic congestion. The diagram below illustrates how where you live affects 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 averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts 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
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,362
• Higher-risk drivers with serious driving violations could pay upwards of $2,520
• 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 have to pay at least $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance 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 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 Cheaper GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a condensed summary of the coverage data touched on in the above illustrations.

• You may be able to save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Youthful drivers pay higher rates, as much as $393 each month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents may be required to pay an average of $1,360 more each year than a low-risk driver