GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why all drivers should get quotes for a specific zip code and their own driving history, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $700
• Choosing higher $1,000 deductibles can save about $102 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,164
• Using low deductibles for comp and collision coverage costs an extra $198 each year
• Drivers who are prone to accidents and violations could pay at least $2,520 or more
• An auto insurance policy to insure a teenage driver can be $4,712 each year

View Chart as Image

Insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $300 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay 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 may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices 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 Low Cost GMC Sierra 2500HD Insurance

Finding better rates on auto insurance takes having a decent driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by quoting rates from direct companies, and also from several local insurance agents.

The following items are a review of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers pay higher prices, possibly costing $393 per month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,360 more every year than a driver with a clean driving record
• Increasing policy deductibles could save as much as $300 each year
• You may be able to save up to $130 per year simply by quoting online in advance