GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months with full coverage. Comprehensive costs around $176 a year, collision costs $274, and liability coverage costs around $534. A policy with only liability insurance costs as low as $588 a year, with a high-risk policy costing around $2,520. 16-year-old drivers pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than using rate averages.

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 additional coverage choices and driver risks.

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save about $1,062 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,164
• Buying low $100 deductibles for physical damage coverage increases the price to $1,362
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,520 or more
• An auto insurance policy to insure a teenage driver can be $4,712 or more

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could cut prices by as much as $300 a year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than the average rate. View High Risk Driver Rates

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

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Cheaper GMC Sierra 2500HD Insurance

Finding better rates on auto insurance requires being a good driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around at every other renewal by getting quotes from direct companies, and also from several local insurance agents.

The following list is a condensed summary of the concepts that were touched on above.

• Drivers with multiple at-fault accidents pay on average $1,360 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, possibly costing $393 per month if the policy includes full coverage
• You may be able to save up to $130 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $300 each year
• You may be able to save up to $130 per year simply by quoting early and online