GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive insurance costs approximately $176 a year, collision insurance costs $274, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,520 or more. 16-year-old 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 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below illustrates average GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay $1,062 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,164
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $198 annually
• Drivers with multiple tickets or accidents could pay around $2,520
• Policy cost that insures a 16-year-old driver can cost $4,712 a year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level of your Sierra 2500HD, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a clean 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 highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark 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 $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $300 annually, while buying higher liability limits will push rates upward. Switching 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

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 avoiding accidents and claims, but also having above-average credit, being claim-free, and possibly raising deductibles. Comparison shop every couple of years by requesting rates from direct insurance companies, and also from your local car insurance providers.

The points below are a brief summary of the material that was touched on in this article.

• Insureds who purchase increased liability limits will pay around $590 annually to go from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, possibly costing $393 each month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,360 more per year to insure a GMC Sierra 2500HD
• Increasing comprehensive and collision deductibles can save approximately $300 each year