GMC Sierra 2500HD Insurance Rates

Average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs an estimated $176 a year, collision costs $274, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,520. Teens receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save approximately $1,062 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,164
• Selecting low $100 deductibles increases the price to $1,362
• Unlucky drivers with serious driving violations could pay up to $2,520 or more
• The cost to insure a teenage driver can cost as much as $4,712

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.

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 Affordable GMC Sierra 2500HD Insurance

Saving money on auto insurance consists of being a good driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a brief review of the concepts that were touched on in this article.

• Drivers with DUI or reckless driving convictions may have to pay on average $1,360 more annually than a safer driver
• Drivers age 16 to 20 have the highest car insurance rates, as much as $393 per month if the policy includes full coverage
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing deductibles could save as much as $300 each year
• You may be able to save approximately $130 per year simply by quoting early and online