GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage. Comprehensive costs an estimated $190, collision costs $300, and liability insurance is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $2,616. 16-year-old drivers cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,210

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how your location can change insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on rate averages.

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 other coverage scenarios.

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save approximately $112 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,210
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,424
• High-risk insureds with multiple tickets or accidents could pay up to $2,616 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,856 each year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $330 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $486 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 could be paying $1,400 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, 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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance takes avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the concepts that were illustrated above.

• High-risk drivers with DUI or reckless driving convictions pay an average of $1,410 more annually to insure a GMC Sierra 2500HD
• Drivers under the age of 20 are expensive to insure, costing up to $405 each month including comprehensive and collision insurance
• Drivers can save approximately $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers can save approximately $140 per year simply by shopping early and online