GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually with full coverage. Comprehensive costs approximately $176 a year, collision costs $274, and liability insurance is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing around $2,520. 16-year-old 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:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $700
• Raising to $1,000 deductibles will save $1,062 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,164
• Buying low $100 deductibles will cost $1,362
• Higher-risk drivers with multiple tickets or accidents could pay around $2,520 or more
• Policy cost with full coverage for a teen driver can cost $4,712

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 record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark 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 may be forking out anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $300 each year, while buying higher liability limits will push rates upward. Moving 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 also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or at least $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, 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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Invest time comparing rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $130 per year simply by quoting early and online
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,360 more per year to insure their Sierra 2500HD
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Teen drivers have the highest car insurance rates, as much as $393 each month if full coverage is included