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 each year, collision insurance costs $274, and liability coverage costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs $2,520 or more. Teenage drivers cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sierra 2500HD models.

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 densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code, rather than using average rates.

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

More Rate Details

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

• The best discount rate 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
• Using low deductibles for physical damage coverage will cost an additional $198 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,520
• Policy cost that insures a teenage driver can be $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level and model year, 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 additional every year, depending on your age. Insurance for high-risk drivers can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents 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 should be prepared 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 be forced to pay as much as $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $300 a year, whereas increasing 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 more each year. View Rates by Deductible or Liability Limit

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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a brief review of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $130 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions may pay on average $1,360 more every year to buy GMC Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers age 20 and younger are charged the highest rates, as much as $393 each month if comprehensive and collision insurance is included