GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive costs an estimated $190, collision costs $300, and liability costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $2,616. Teen drivers pay the most at $4,856 a year or more.

Average premium for full coverage: $1,210

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of using price averages.

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 lowest rate with discounts is $724
• Drivers who choose higher $1,000 deductibles will pay approximately $112 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,210
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,424
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,616 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,856 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying $1,400 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost as much as 43% to 129% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $330 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $486 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially 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 Cheaper GMC Sierra 2500HD Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and taking advantage of discounts. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a condensed summary of the data covered in the charts and tables above.

• Policyholders who want more liability protection will pay about $590 per year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $140 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $325 each year
• Youthful drivers are charged the highest prices, with the cost nearing $405 per month if full coverage is included