GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage. Comprehensive costs an estimated $190 each year, collision costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $2,616. 16-year-old drivers cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,210

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above show why all drivers should get quotes for a targeted area, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save approximately $112 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,210
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,424
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,616 or more
• Policy cost that insures a 16-year-old driver can cost as much as $4,856 each year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $330 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $486 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and 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 the Best Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a quick review of the coverage data raised in the charts and tables above.

• Drivers can save approximately $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers under the age of 20 are expensive to insure, costing up to $405 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,410 more annually to insure a GMC Sierra 2500HD