GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below details average GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $700
• Using higher $1,000 deductibles will save $102 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,164
• Using more expensive low deductibles for physical damage coverage will cost an extra $198 a year
• Drivers who are prone to accidents and violations could pay around $2,520
• Policy cost for full coverage for a teen driver with full coverage can cost $4,712 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $300 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and attention to physical damage deductibles. Make time to compare rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the material that was touched on in this article.

• Drivers who purchase higher liability limits will pay an extra $590 every year to increase from a 30/60 limit to 250/500 limits
• Teenagers pay the highest auto insurance rates, as much as $393 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,360 more per year for car insurance
• Increasing comprehensive and collision deductibles can save around $300 each year