GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive insurance costs around $176, collision costs $274, and liability costs $534. A policy with only liability insurance costs as little as $588 a year, with a high-risk policy costing $2,520 or more. Teen drivers pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates for type of coverage:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $102 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,164
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $198 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,520 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $4,712 a year

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Where you choose to live 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 Vermont, Wisconsin, and North Carolina, or as much as $1,570 on average in Michigan, New York, and Florida.

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Choosing high deductibles could save up to $300 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different.

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 Cheap GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around every time your policy renews by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the information presented in the illustrations above.

• It is possible to save up to $130 per year simply by shopping early and online
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $393 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $300 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,360 more every year to buy GMC Sierra 2500HD insurance
• Insureds who may need increased levels of liability coverage will pay about $590 annually to go from 30/60 bodily injury limits to the 250/500 level