GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive costs on average $190 each year, collision costs $300, and liability is $540. A liability-only policy costs around $592 a year, with high-risk insurance costing around $2,616. Teens receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

These examples highlight why all drivers should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $724
• Raising to $1,000 deductibles will save around $112 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,210
• Selecting low deductibles bumps up the cost to $1,424
• Drivers with serious driving violations could pay upwards of $2,616 or more
• The cost that insures a 16-year-old driver may cost $4,856

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,400 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Where you live also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,730 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so the rates 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 More Affordable GMC Sierra 2500HD Insurance

Saving money on insurance for a GMC Sierra 2500HD consists of avoiding accidents and violations, having above-average credit, not filing small claims, and bundling your home and auto policies. Compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a summary of the material that was touched on above.

• Insureds who require higher liability limits will pay approximately $590 per year to raise from a minimum limit to the 250/500 level
• Teenagers pay the highest rates, as much as $405 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,410 more each year for car insurance
• Increasing deductibles can save approximately $325 each year