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 is $534. A policy with just liability insurance costs around $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:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city 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 price range example below illustrates how location impacts auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on averaged prices.

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

Rate Comparisons

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

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

View Chart as Image

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the model year and trim level, 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. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months 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 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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 each year, while increasing your policy's 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 compare rates from as many companies as possible. Every auto insurance 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 the Best GMC Sierra 2500HD Insurance

Saving money on GMC Sierra 2500HD insurance consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the information touched on above.

• You may be able to save around $130 per year simply by shopping early and online
• Teenagers 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 who tend to receive serious violations may have to pay on average $1,360 more per year for car insurance
• Drivers who purchase higher liability limits will pay approximately $590 every year to raise from a minimum limit to the 250/500 level