GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive insurance costs on average $190, collision costs $300, and liability insurance costs around $540. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing $2,616 or more. Teenage drivers cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,210

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $724
• Using higher $1,000 deductibles will save around $112 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,210
• Using more expensive low deductibles for physical damage coverage will cost an additional $214 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,616 or more
• Policy cost that insures a teen driver with full coverage may cost $4,856 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $2,100 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,800 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 $930 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,730 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $330 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $486 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied.

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 Best Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Compare prices every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a quick review of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers pay the highest rates, with premiums being up to $405 each month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,410 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• You may be able to save as much as $140 per year simply by shopping early and online