GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive insurance costs around $176 a year, collision costs $274, and liability coverage costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing $2,520 or more. 16-year-old drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

These examples illustrate why it is important to compare prices for a specific zip code and risk profile, rather than using rate averages.

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

Rate Comparisons

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save about $1,062 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,164
• Buying low $100 deductibles for physical damage coverage will cost an extra $198 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,520 or more
• The cost for full coverage for a teenage driver can be $4,712 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly 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 More Affordable GMC Sierra 2500HD Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a summary of the car insurance concepts touched on in this article.

• Drivers who have multiple accidents or major violations may pay on average $1,360 more every year than a driver with a clean driving record
• It is possible to save up to $130 per year simply by quoting early and online
• Increasing deductibles can save around $300 each year
• Consumers who may need additional liability coverage will pay around $590 annually to increase from a minimum limit to 250/500 limits