GMC Sierra 2500HD Insurance Rates

Average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive insurance costs approximately $176 a year, collision costs $274, and liability coverage is estimated at $534. A policy with just liability insurance costs approximately $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:

Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and their own driving history, 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 additional coverage and risk scenarios.

• The best discount rate is $700
• Choosing higher $1,000 deductibles can save $1,062 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,164
• Using low $100 deductibles for comp and collision coverage costs an extra $198 each year
• Drivers who are prone to accidents and violations could pay around $2,520 or more
• The cost to insure a teenage driver can cost $4,712 each year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Sierra 2500HD.

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

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional per 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

Where you live 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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each auto insurer 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 Shop for More Affordable GMC Sierra 2500HD Insurance

Saving money on auto insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below is a summary of the coverage data presented in the illustrations above.

• You may be able to save around $130 per year simply by quoting early and online
• Increasing deductibles could save as much as $300 each year
• Teenage drivers are the costliest to insure, as much as $393 per month if full coverage is included
• Drivers who have multiple accidents or major violations could be charged and average of $1,360 more per year for auto insurance