GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive insurance costs around $176, collision costs $274, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance 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 for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save about $102 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,164
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $198 each year
• Higher-risk drivers with serious driving violations could pay at least $2,520 or more
• Policy cost that insures a teenage driver with full coverage can be $4,712 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be around 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates 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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 a year, while increasing your policy's liability limits will increase rates. Moving 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 best way to find out your exact price is to compare rates and see how they stack up. Each insurance company calculates rates differently, 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 More Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,360 more every year for car insurance
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Consumers who may need higher liability limits will pay approximately $590 every year to increase from a 30/60 limit to the 250/500 level