GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months for full coverage insurance. Comprehensive costs around $176 a year, collision costs $274, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,520. 16-year-old drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes 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

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save about $1,062 each year
• The average price for a good driver age 40 using $500 deductibles is $1,164
• Buying low $100 deductibles for physical damage coverage increases the price to $1,362
• High-risk insureds with multiple tickets or accidents could pay at least $2,520 or more
• Policy cost to insure a 16-year-old driver can be $4,712 or more

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles could cut rates by as much as $300 annually, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age

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

Your home state has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD requires avoiding accidents and claims, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief review of the material that was raised in the charts and tables above.

• Insureds who may need increased liability limits will pay around $590 annually to increase from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, possibly costing $393 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,360 more every year to insure a GMC Sierra 2500HD
• Increasing comprehensive and collision deductibles could save as much as $300 each year