GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage insurance. Comprehensive insurance costs approximately $190, collision costs $300, and liability coverage costs around $540. A policy with only liability insurance costs as low as $592 a year, with a high-risk policy costing $2,616 or more. Teenage drivers pay the most at $4,856 a year or more.

Average premium for full coverage: $1,210

Premium estimates by type of coverage:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $724
• Using higher $1,000 deductibles will save $112 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,210
• Using more expensive low deductibles for physical damage coverage will cost an extra $214 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,616 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost $4,856 or more

View Chart as Image

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

An older driver with no driving violations and high 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, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

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 $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,630 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $330 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different 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 Cheap GMC Sierra 2500HD Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the material that was touched on above.

• Consumers who purchase higher levels of liability will pay an extra $590 annually to increase from 30/60 bodily injury limits to 250/500 limits
• Teenage drivers pay the highest auto insurance prices, with premiums being up to $405 per month if full coverage is included
• Drivers that tend to have accidents or serious violations may pay on average $1,410 more per year for auto insurance
• Increasing policy deductibles can save around $325 each year