GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months for full coverage. Comprehensive costs around $176 a year, collision costs $274, and liability costs around $534. A policy with only liability insurance costs as low as $588 a year, with a high-risk policy costing around $2,520. Teen drivers pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences show why it is important to compare prices for a specific zip code and their own driving history, instead of using price averages.

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 additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save about $1,062 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,164
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,362
• Drivers with multiple violations and an at-fault accident could pay at least $2,520 or more
• An auto insurance policy to insure a teen driver can be $4,712 or more

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $300 every year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see 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

With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes 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 requires being a good driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a summary of the information touched on above.

• Drivers can save up to $130 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, as much as $393 per month if the policy includes full coverage
• Increasing policy deductibles could save as much as $300 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,360 more every year than a safer driver
• Policyholders who may need an increased level of liability coverage will pay about $590 each year to increase from 30/60 bodily injury limits to a 250/500 level