GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs around $176 each year, collision insurance costs $274, and liability insurance is $534. Liability-only insurance costs around $588 a year, and high-risk driver insurance costs around $2,520. Teen drivers pay the most at up to $4,712 a year.

Average premium for full coverage: $1,164

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences show why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save about $102 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,164
• Choosing low deductibles will increase the cost to $1,362
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,520
• An auto insurance policy for full coverage for a teen driver can be $4,712

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

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 $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $300 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

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 More Affordable GMC Sierra 2500HD Insurance

Finding better rates on GMC Sierra 2500HD insurance consists of having a decent driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a summary of the information covered in the above illustrations.

• Drivers can save up to $130 per year just by quoting online in advance
• 16 to 18-year-old drivers are charged the highest prices, as much as $393 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $300 each year
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,360 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay about $590 each year to raise from 30/60 bodily injury limits to 250/500 limits