GMC Sierra 2500HD Insurance Rates

The average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs around $176 a year, collision insurance costs $274, and liability is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs around $2,520. 16-year-old 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:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $700
• Raising to $1,000 deductibles will save about $1,062 every year
• The average price for a good driver age 40 using $500 deductibles is $1,164
• Buying low $100 deductibles increases the price to $1,362
• At-risk drivers with multiple tickets or accidents could pay at least $2,520
• Policy cost to insure a teen driver can be $4,712

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $300 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 the Best Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the information raised in the charts and tables above.

• You may be able to save up to $130 per year just by quoting early and online
• Teen drivers pay higher rates, with premiums being up to $393 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,360 more every year to insure their Sierra 2500HD
• Policyholders who may need more liability coverage will pay around $590 per year to raise from a 30/60 limit to a 250/500 level