GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why everyone should compare rates using their specific location, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay $102 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,164
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• High risk drivers with serious driving violations could pay around $2,520 or more
• The cost that insures a teen driver for full coverage can cost $4,712 a year

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Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the model 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. GMC Sierra 2500HD insurance for high-risk drivers can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average 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 makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay 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.

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Choosing higher comprehensive and collision insurance deductibles could save up to $300 each year, whereas buying more liability protection 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 regularly compare rates from as many companies as possible. Every company calculates rates differently, 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 Affordable GMC Sierra 2500HD Insurance

Saving money on GMC Sierra 2500HD insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief review of the information covered above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are the costliest to insure, with premiums as much as $393 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $300 each year
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,360 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay approximately $590 every year to go from a minimum limit to the 250/500 level