GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage. Comprehensive costs on average $176 a year, collision costs $274, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,520. Teens 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, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save around $1,062 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,164
• Selecting low $100 deductibles will cost $1,362
• At-risk drivers with serious driving violations could pay upwards of $2,520 or more
• Policy cost with full coverage for a teen driver may cost $4,712

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared 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 could be paying at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied between companies.

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 Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a review of the coverage data covered in the above illustrations.

• Drivers can save as much as $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Teens pay higher rates, costing up to $393 each month if they have full coverage
• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,360 more each year for Sierra 2500HD insurance