GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,238 a year with full coverage. Comprehensive costs approximately $194 a year, collision costs $330, and liability insurance is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,688. Teenage drivers pay the most at $4,960 a year or more.

Average premium for full coverage: $1,238

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why it is important to compare rates quotes using their specific location, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $736
• Raising to $1,000 deductibles will save $1,120 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,238
• Using low $100 deductibles bumps up the cost to $1,472
• Higher-risk drivers who are prone to accidents and violations could pay around $2,688 or more
• An auto insurance policy that insures a teen driver can cost $4,960

View Chart as Image

Insurance prices for a GMC Sierra 2500HD also have a wide range based on the trim level of your Sierra 2500HD, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $360 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 the Best Cheap GMC Sierra 2500HD Insurance

Finding better rates on GMC Sierra 2500HD insurance consists of having a decent driving record, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices every couple of years by requesting rates from direct companies, and also from local insurance agencies.

The following items are a quick review of the material that was raised in the charts and tables above.

• Drivers who purchase additional liability coverage will pay an extra $590 every year to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, possibly costing $413 per month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,450 more per year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $350 each year