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 insurance costs $274, and liability coverage costs around $534. Liability-only insurance costs as low 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:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

The examples above show why everyone should compare prices based on a specific location, rather than using average rates.

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

Additional Rate Information

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

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

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on the model of your Sierra 2500HD, 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 in extra premium every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, 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 has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates 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 cut rates by as much as $300 a year, whereas buying more liability protection 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 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 Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every other policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a review of the ideas that were touched on in this article.

• Drivers under the age of 20 are charged the highest rates, costing up to $393 each month if the policy includes full coverage
• Drivers who have several accidents or serious violations may pay on average $1,360 more each year to insure a GMC Sierra 2500HD
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers can save as much as $130 per year just by quoting online well ahead of the renewal date