GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months with full coverage. Comprehensive costs an estimated $176, collision costs $274, and liability coverage is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,520. Teens 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:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below details estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $700
• Raising to $1,000 deductibles will save approximately $102 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,164
• Selecting pricier low deductibles increases the price to $1,362
• Unlucky drivers with serious driving violations could pay up to $2,520 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $4,712

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,400 to $2,000 extra every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, 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 Shop for the Best GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was covered in the above illustrations.

• Consumers who want increased levels of liability coverage will pay approximately $590 every year to raise from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger have the highest car insurance rates, as much as $393 each month if the policy includes full coverage
• Drivers who tend to receive serious violations may pay on average $1,360 more annually to buy GMC Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year