GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive costs on average $176 a year, collision costs $274, and liability insurance costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing around $2,520. Teen drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay around $1,062 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,164
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• Policy cost that insures a teen driver may cost $4,712 a year

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on the trim level of your Sierra 2500HD, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Your home state 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 New Hampshire, Ohio, and Utah, or as much as $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $300 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates will be varied.

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 Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around every couple of years by quoting rates from direct companies, and also from several local insurance agents.

The next list is a review of the material that was covered in the above illustrations.

• Drivers who require increased levels of liability coverage will pay about $590 every year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are charged the highest rates, as much as $393 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations pay on average $1,360 more each year to buy GMC Sierra 2500HD insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year