GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs an estimated $176 a year, collision costs $274, and liability costs $534. Liability-only insurance costs as little 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 broken down by type of insurance:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $1,062 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,164
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,362
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,520 or more
• Policy cost to insure a teen driver can cost as much as $4,712 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $300 every year, while buying higher liability limits will increase premiums. Changing 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 little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $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 likely paying $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every 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 car insurance not only requires having a good driving record, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a brief review of the primary concepts that were touched on in this article.

• You may be able to save approximately $130 per year simply by quoting early and online
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,360 more annually to buy GMC Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $393 each month if comprehensive and collision insurance is included