GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive insurance costs on average $176, collision costs $274, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance 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 by type of coverage:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $700
• Choosing higher $1,000 deductibles can save around $102 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,164
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $198 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $4,712 each year

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Insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Sierra 2500HD.

Choosing high deductibles can save as much as $300 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance ranges as much as 42% to 133% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,660 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, 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 More Affordable GMC Sierra 2500HD Insurance

Finding better rates on car insurance takes being safe and accident-free, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a summary of the ideas that were raised in the charts and tables above.

• Youthful drivers pay higher prices, with the cost nearing $393 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,360 more each year than a low-risk driver
• Increasing policy deductibles could save as much as $300 each year
• You may be able to save as much as $130 per year simply by shopping early and online