GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs an estimated $176 a year, collision insurance costs $274, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,520. Teen drivers cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area, instead of using price averages.

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

More Rate Information

The chart below illustrates average GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $1,062 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,164
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,520
• Policy cost that insures a teen driver can cost as much as $4,712 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $300 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

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 car insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and possibly raising deductibles. Shop around every other policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The following is a condensed summary of the ideas that were touched on in this article.

• Teens are expensive to insure, possibly costing $393 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,360 more annually for Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• It is possible to save approximately $130 per year just by quoting early and online