GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive insurance costs an estimated $176 each year, collision insurance costs $274, and liability costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs $2,520 or more. 16-year-old drivers pay the most at up to $4,712 a year.

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why all drivers should compare rates for a targeted area, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates average 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 $102 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,164
• Buying low deductibles for comprehensive and collision insurance will cost an additional $198 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,520
• An auto insurance policy that insures a teen driver can cost as much as $4,712 a year

View Chart as Image

Auto insurance prices for a GMC Sierra 2500HD also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $300 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

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 Cheaper GMC Sierra 2500HD Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop at least every other year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,360 more annually than a driver with a clean driving record
• It is possible to save approximately $130 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $300 each year
• Policyholders who want additional liability coverage will pay around $590 annually to go from 30/60 bodily injury limits to the 250/500 level