GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive insurance costs an estimated $176, collision costs $274, and liability coverage costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,520 or more. 16-year-old drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

The examples above show why everyone should compare rates for a targeted area, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $102 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,164
• Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $198 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,520 or more
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,712 a year

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on the model of your Sierra 2500HD, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 in extra premium every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,660 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $300 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied.

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 cheaper rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick rundown of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are the costliest to insure, costing up to $393 each month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,360 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date