GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually including full coverage. Comprehensive costs an estimated $176, collision costs $274, and liability insurance costs around $534. Liability-only insurance costs as low 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 broken down by type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save approximately $102 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,164
• Choosing more expensive low deductibles for physical damage coverage will cost $1,362
• Drivers with multiple violations and an at-fault accident could pay up to $2,520 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,712 or more

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $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 likely paying $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $300 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted 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 the Right GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick rundown of the data that was touched on in this article.

• You may be able to save approximately $130 per year simply by shopping early and online
• Drivers who want increased liability limits will pay about $590 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $393 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,360 more annually to insure a GMC Sierra 2500HD