GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage insurance. Comprehensive costs on average $176 each year, collision costs $274, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,520. Teens 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 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay around $102 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,164
• Selecting low deductibles for comprehensive and collision insurance will cost $1,362
• Drivers with serious driving violations could pay upwards of $2,520 or more
• Policy cost with full coverage for a 16-year-old driver may cost $4,712 a year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company calculates rates differently, and rates will be varied between companies.

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 Buy Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD not only requires being a good driver, but also having good credit, being claim-free, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the data touched on above.

• Insureds who require an increased level of liability coverage will pay approximately $590 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save as much as $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers age 16 to 20 pay higher rates, possibly costing $393 each month if they have full coverage