GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs on average $176, collision costs $274, and liability costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing around $2,520. Teenage drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $102 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,164
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,520 or more
• Policy cost that insures a teen driver with full coverage may cost $4,712 a year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, 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 $4,700 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $300 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every 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 Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare prices every time your policy renews by quoting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a review of the information illustrated above.

• Drivers can save as much as $130 per year simply by shopping early and online
• Drivers age 20 and younger pay the highest rates, costing up to $393 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,360 more each year to buy GMC Sierra 2500HD insurance
• Policyholders who require increased levels of liability coverage will pay an extra $590 each year to go from a 30/60 limit to the 250/500 level