GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months with full coverage. Comprehensive insurance costs an estimated $190, collision costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing $2,616 or more. Teen 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:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.

The example below illustrates how where you live affects insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $724
• Choosing higher $1,000 deductibles can save approximately $112 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,210
• Choosing pricier low deductibles for comp and collision coverage costs an extra $214 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,616 or more
• Policy cost to insure a teen driver for full coverage 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 liability limits and deductibles, your driving record, and the model year and trim level.

Choosing high deductibles can save as much as $330 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $486 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,400 to $2,100 additional every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges as much as 43% to 129% more than average. View High Risk Driver Rates

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 $870 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,630 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, 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 Shop for the Cheapest GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least every other year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a recap of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers that have major violations or accidents may pay on average $1,410 more annually than a driver with a clean driving record
• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Policyholders who want additional liability coverage will pay about $590 every year to raise limits from a 30/60 limit to a 250/500 level