GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs approximately $176 a year, collision costs $274, and liability coverage is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,520. Teenage drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, 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

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location, rather than using average rates.

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 and risk scenarios.

• The best discount rate is $700
• Raising to $1,000 deductibles will save $1,062 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,164
• Using low $100 deductibles bumps up the cost to $1,362
• Unlucky drivers who are prone to accidents and violations could pay around $2,520 or more
• Policy cost that insures a teenage driver can cost $4,712

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 is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher 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 also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $300 a year, 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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the 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 Find More Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct insurance companies, and also from your local car insurance providers.

The items below are a summary of the primary concepts that were touched on above.

• It is possible to save around $130 per year simply by quoting early and online
• Drivers who have multiple accidents or major violations could be charged and average of $1,360 more per year to insure their Sierra 2500HD
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teen drivers are expensive to insure, possibly costing $393 each month if full coverage is included