GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs around $176 each year, collision insurance costs $274, and liability insurance is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage costs around $2,520. Teens cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save about $102 every year
• The average price for a good driver age 40 using $500 deductibles is $1,164
• Selecting low deductibles for comp and collision coverage increases the price to $1,362
• High-risk insureds with serious driving violations could pay at least $2,520
• Policy cost to insure a teen driver can be $4,712 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay 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 Shop for the Cheapest GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a recap of the car insurance concepts illustrated above.

• High-risk drivers that have major violations or accidents could be forced to pay on average $1,360 more every year to insure a GMC Sierra 2500HD
• You may be able to save up to $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers who may need increased liability limits will pay approximately $590 per year to raise limits from a 30/60 limit to a 250/500 level