GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM 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

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $700
• Raising to $1,000 deductibles will save approximately $102 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,164
• Using more expensive low deductibles will cost $1,362
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,520 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,712

View Chart as Image

Auto insurance prices for a GMC Sierra 2500HD also have a wide range based on the model of your Sierra 2500HD, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $300 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Buy the Right GMC Sierra 2500HD Insurance

Finding better rates on GMC Sierra 2500HD insurance consists of being a good driver, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a quick rundown of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $130 per year simply by shopping early and online
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,360 more annually than a safer driver
• Increasing policy deductibles could save up to $300 each year
• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $393 per month if full coverage is included