GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs on average $176, collision costs $274, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,520. Teen drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save around $102 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,164
• Choosing more expensive low deductibles will increase the cost to $1,362
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,712

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $300 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

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 Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD consists of not taking risks behind the wheel, maintaining good credit, being claim-free, and bundling your home and auto policies. Invest time comparing rates every time your policy renews by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a review of the information covered in the charts and tables above.

• It is possible to save as much as $130 per year simply by shopping early and online
• Teens pay the highest rates, possibly costing $393 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,360 more each year for Sierra 2500HD insurance
• Insureds who require higher liability limits will pay about $590 annually to raise from a 30/60 limit to 250/500 limits