GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 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 the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

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

The examples above highlight why it is important to get quotes for a targeted area, rather than using average rates.

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 other coverage scenarios.

• The best discount rate is $700
• Choosing higher $1,000 deductibles can save approximately $1,062 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,164
• Using low $100 deductibles for comp and collision coverage will cost an additional $198 each year
• Drivers who are prone to accidents and violations could pay up to $2,520 or more
• Policy cost that insures a teenage driver can cost as much as $4,712 each year

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level of your Sierra 2500HD, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

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 $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $300 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance takes being a good driver, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief summary of the data touched on in this article.

• Consumers who want an increased level of liability coverage will pay an extra $590 per year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $393 each month if full coverage is purchased