GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months with full coverage. Comprehensive costs an estimated $176 a year, collision costs $274, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,520. Teens pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

Prices include $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save approximately $1,062 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,164
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,362
• Higher-risk drivers with serious driving violations could pay up to $2,520 or more
• An auto insurance policy to insure a teenage driver can cost as much as $4,712 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially 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 Shop for the Right GMC Sierra 2500HD Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following is a quick rundown of the material that was touched on in the above illustrations.

• Consumers who want higher liability limits will pay approximately $590 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Teens are expensive to insure, possibly costing $393 per month if full coverage is included
• Drivers with reckless driving or DUI convictions may pay on average $1,360 more annually for Sierra 2500HD insurance
• Increasing policy deductibles could save as much as $300 each year