GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.

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

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

Additional Charts and Tables

The chart below breaks down average 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 every 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
• Drivers who are prone to accidents and violations could pay upwards of $2,520
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,712 a year

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

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

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low 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 will have 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 $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

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 cheaper rates on insurance for a GMC Sierra 2500HD not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices every year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

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

• You may be able to save as much as $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $393 each month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,360 more each year to buy GMC Sierra 2500HD insurance