GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually including full coverage. Comprehensive insurance costs on average $176, collision insurance costs $274, and liability insurance costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,520 or more. 16-year-old 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:

Rates are based on $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $102 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,164
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $198 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $2,520
• Policy cost with full coverage for a teen driver with full coverage may cost $4,712 a year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $300 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay 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

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 Buy the Best Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and determing if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick review of the material that was touched on above.

• Drivers who require increased levels of liability coverage will pay around $590 per year to go from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger pay the highest rates, with premiums being up to $393 each month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation pay on average $1,360 more each year to buy GMC Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles could save up to $300 each year