GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs around $176 a year, collision insurance costs $274, and liability coverage is estimated at $534. A liability-only policy costs approximately $588 a year, and high-risk insurance costs around $2,520. Teen drivers cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows average GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $700
• Choosing higher $1,000 deductibles can save about $1,062 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,164
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,362
• Drivers with multiple violations and an at-fault accident could pay at least $2,520
• Policy cost for full coverage for a teenage driver can be $4,712 each year

View Chart as Image

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

Older drivers with no driving violations and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $300 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than average. View High Risk Driver Rates

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 cheaper rates on auto insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a brief review of the concepts that were touched on above.

• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,360 more every year to buy GMC Sierra 2500HD insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $393 each month if full coverage is included
• Drivers can save up to $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers can save up to $130 per year just by quoting early and online