GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive costs an estimated $176, collision costs $274, and liability coverage is estimated at $534. A policy with only liability insurance costs approximately $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 broken down by type of coverage:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The example below illustrates how where you live affects insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area, rather than using rate averages.

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

More Rate Information

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best full coverage rate is $700
• Choosing higher $1,000 deductibles can save approximately $102 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,164
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,362
• Drivers with multiple tickets or accidents could pay up to $2,520 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost as much as $4,712 each year

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD also have a wide range based on the model of your Sierra 2500HD, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges around 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

Where you choose to 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 $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $300 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer 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 Find Affordable GMC Sierra 2500HD Insurance

Finding better rates on auto insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a brief review of the data touched on in the above illustrations.

• Consumers who want increased levels of liability coverage will pay around $590 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $300 each year
• Drivers age 20 and younger have the highest car insurance prices, with premiums being up to $393 per month if full coverage is purchased