GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months for full coverage. Comprehensive costs an estimated $190 a year, collision costs $300, and liability coverage costs $540. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing around $2,616. Teens pay the most at $4,856 a year or more.

Average premium for full coverage: $1,210

Premium estimates broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Information

The chart below shows estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $724
• Drivers who choose higher $1,000 deductibles will pay approximately $1,098 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,210
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,424
• High-risk insureds with serious driving violations could pay up to $2,616 or more
• An auto insurance policy to insure a teenage driver can cost as much as $4,856 a year

View Chart as Image

Insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $330 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,400 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see how they stack up. Every company calculates prices differently, and prices 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 Shop for Cheaper GMC Sierra 2500HD Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a condensed summary of the concepts that were presented in the illustrations above.

• Drivers with multiple at-fault accidents pay on average $1,410 more annually for car insurance
• Teenagers are expensive to insure, as much as $405 per month if full coverage is included
• Drivers can save approximately $140 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $325 each year
• Drivers can save approximately $140 per year simply by quoting early and online