GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive costs an estimated $176, collision costs $274, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage 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 broken down by type of coverage:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using price averages.

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

Detailed Rate Analysis

The chart below details estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $102 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,164
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,520 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,712 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost around 42% to 133% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $300 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see how they stack up. Every company uses a different rate calculation, 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 Find the Right GMC Sierra 2500HD Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Shop around every year by getting quotes from direct companies, and also from insurance agencies where you live.

The next list is a quick rundown of the coverage data touched on in this article.

• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $300 each year
• Drivers age 20 and younger are charged the highest prices, possibly costing $393 per month if full coverage is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,360 more annually to buy GMC Sierra 2500HD insurance