GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,210 annually for full coverage. Comprehensive costs on average $190 a year, collision costs $300, and liability coverage is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $2,616. Teen drivers cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,210

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 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 car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $724
• Choosing higher $1,000 deductibles can save around $1,098 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,210
• Choosing low $100 deductibles for comp and collision coverage will cost $1,424
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,616 or more
• Policy cost with full coverage for a teenage driver may cost $4,856 each year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $330 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $486 more each year. View Rates by Deductible or Liability Limit

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 $800 a year in states like Idaho, Maine, and Iowa, or as much as $1,730 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and 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 auto insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a quick rundown of the data touched on in the above illustrations.

• Consumers who require increased liability limits will pay about $590 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers can save as much as $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers under the age of 20 pay higher rates, costing up to $405 each month if they have full coverage