GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive 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 around $2,520. Teens receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 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 accident claims than cities with more traffic congestion.

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

These examples show why all drivers should compare prices based on a specific location, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save around $102 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,164
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,362
• Drivers with serious driving violations 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, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be 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 policy. 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 much higher 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 $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 every year, whereas increasing liability limits will cost you more. Going 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 only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, 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 the Best Cheap GMC Sierra 2500HD Insurance

Saving money on car insurance requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and bundling your home and auto policies. Compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a quick review of the material that was raised in the charts and tables above.

• Policyholders who require increased liability limits will pay approximately $590 each year to increase from a minimum limit to the 250/500 level
• Drivers under the age of 20 pay the highest rates, costing as high as $393 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,360 more each year to insure a GMC Sierra 2500HD
• Increasing deductibles can save approximately $300 each year