GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months including full coverage. Comprehensive insurance costs an estimated $190, collision insurance costs $300, and liability costs around $540. Liability-only coverage costs as low as $592 a year, and high-risk coverage costs $2,616 or more. Teen drivers pay the most at up to $4,856 a year.

Average premium for full coverage: $1,210

Premium estimates broken down by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $724
• Using higher $1,000 deductibles will save approximately $112 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,210
• Choosing more expensive low deductibles for physical damage coverage costs an extra $214 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,616
• An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $4,856 or more

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

Choosing high deductibles could cut prices by as much as $330 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $486 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,400 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 43% to 129% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,730 on average in Louisiana, New York, and Michigan.

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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 Shop for Affordable GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD requires being safe and accident-free, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to shop around once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the data that was raised in the charts and tables above.

• You may be able to save approximately $140 per year just by shopping early and online
• Insureds who want more liability protection will pay about $590 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers are charged the highest prices, with the cost nearing $405 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,410 more annually than a low-risk driver