GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive insurance costs approximately $176 a year, collision costs $274, and liability costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing $2,520 or more. Teenage drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.

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

These examples demonstrate why it is important to compare prices using their specific location, instead of using average rates.

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

More Rate Information

The chart below details estimated GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $700
• Using higher $1,000 deductibles will save $1,062 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,164
• Using low $100 deductibles for physical damage coverage will cost an additional $198 every year
• Drivers who are prone to accidents and violations could pay around $2,520 or more
• The cost that insures a teen driver can cost $4,712 or more

View Chart as Image

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level of your Sierra 2500HD, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $300 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and 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 the Best GMC Sierra 2500HD Insurance

Saving money on car insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the ideas that were touched on in this article.

• Drivers age 20 and younger are the costliest to insure, with premiums as much as $393 per month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,360 more per year to buy GMC Sierra 2500HD insurance
• Increasing deductibles can save approximately $300 each year
• You may be able to save around $130 per year simply by quoting early and online