GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive insurance costs on average $176 each year, collision costs $274, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,520 or more. 16-year-old drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location, instead of using rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save around $102 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,164
• Buying low deductibles for physical damage coverage will cost an additional $198 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,520 or more
• The cost that insures a teen driver may cost $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $300 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates can be significantly different.

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 Cheap GMC Sierra 2500HD Insurance

Saving money on car insurance requires being a good driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the data that was covered in the above illustrations.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Policyholders who require an increased level of liability coverage will pay around $590 per year to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 pay the highest rates, as much as $393 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,360 more each year than a safer driver