GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive insurance costs an estimated $176 each year, collision costs $274, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,520 or more. Teenage drivers 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:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

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

These examples show why all drivers should compare rates for a targeted area, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $102 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,164
• Using low deductibles for comprehensive and collision insurance will cost an additional $198 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,520 or more
• The cost that insures a teen driver can cost as much as $4,712 a year

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

Where you live 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 be forced to pay as much as $1,660 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $300 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, 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 Find the Cheapest GMC Sierra 2500HD Insurance

Saving money on GMC Sierra 2500HD insurance not only requires having a decent driving record, but also having a positive credit history, eliminating unneeded coverage, and not having any coverage lapses. Compare prices every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a recap of the information touched on in this article.

• Drivers can save approximately $130 per year simply by quoting online in advance
• 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $393 per month if full coverage is purchased
• Increasing deductibles can save approximately $300 each year
• High-risk drivers that have major violations or accidents may pay on average $1,360 more annually than a driver with a clean driving record
• Drivers who want additional liability coverage will pay an extra $590 each year to go from a minimum limit to the 250/500 level