GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

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

These rate differences show why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save around $1,062 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,164
• Selecting low $100 deductibles will cost an extra $198 a year
• Higher-risk drivers with serious driving violations could pay upwards of $2,520 or more
• An auto insurance policy for full coverage for a teen driver may cost $4,712

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

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

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different 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 Right GMC Sierra 2500HD Insurance

Finding better rates on GMC Sierra 2500HD insurance consists of having a decent driving record, 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 every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following items are a quick rundown of the concepts that were covered in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions will pay on average $1,360 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher prices, as much as $393 per month including comprehensive and collision insurance
• Drivers can save as much as $130 per year simply by quoting early and online
• Increasing policy deductibles can save around $300 each year
• Drivers can save as much as $130 per year simply by quoting early and online