GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually with full coverage. Comprehensive insurance costs on average $176 a year, collision costs $274, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing $2,520 or more. Teens cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

The chart below details estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save around $1,062 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,164
• Selecting low $100 deductibles for comp and collision coverage costs an additional $198 each year
• Drivers with serious driving violations could pay upwards of $2,520 or more
• Policy cost with full coverage for a teenage driver may cost $4,712 each year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and rates will be varied between companies.

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 Buy Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the data presented in the illustrations above.

• Consumers who require increased liability limits will pay approximately $590 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save as much as $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers under the age of 20 pay higher rates, as much as $393 each month if they have full coverage