GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs an estimated $176 a year, collision insurance costs $274, and liability coverage is $534. A policy with only liability insurance costs around $588 a year, and a high-risk policy costs around $2,520. Teen drivers pay the most at up to $4,712 a year.

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine insurance prices.

These rate differences illustrate why it is important to compare rates quotes for a targeted area, rather than using price averages.

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

More Rate Information

The chart below illustrates average GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save approximately $1,062 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,164
• Choosing low $100 deductibles bumps up the cost to $1,362
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,520
• An auto insurance policy that insures a teenage driver can cost as much as $4,712

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Car insurance prices for a GMC Sierra 2500HD also have a wide range based on the trim level of your Sierra 2500HD, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can reduce prices by up to $300 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Right GMC Sierra 2500HD Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the information covered in the charts and tables above.

• It is possible to save approximately $130 per year just by quoting early and online
• Youthful drivers have the highest car insurance prices, with premiums being up to $393 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $300 each year
• Drivers with reckless driving or DUI convictions may have to pay on average $1,360 more annually than a low-risk driver
• Consumers who want more liability protection will pay about $590 annually to raise from 30/60 bodily injury limits to the 250/500 level