GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage insurance. Comprehensive costs approximately $176, collision costs $274, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage 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:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay $102 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,164
• Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,362
• Drivers with multiple tickets or accidents could pay around $2,520 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,712 a year

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

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year 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 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 are probably paying anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $300 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every company utilizes a different rate formula, 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 More Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 2500HD not only requires avoiding accidents and claims, but also having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a summary of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $130 per year simply by shopping early and online
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,360 more per year to insure a GMC Sierra 2500HD
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $393 each month if they have full coverage