GMC Sierra 2500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage. Comprehensive insurance costs an estimated $176, collision insurance costs $274, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs $2,520 or more. Teens cost the most to insure at up to $4,712 a year.

Average premium for full coverage: $1,164

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.

The examples above show why everyone should get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save approximately $102 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,164
• Selecting pricier low deductibles for comp and collision coverage costs an additional $198 each year
• Drivers with serious driving violations could pay up to $2,520
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $4,712 each year

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $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 could be paying $1,400 to $2,000 in extra premium every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 a year, whereas buying more liability protection will increase premiums. Going 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 plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,660 on average in New York, Louisiana, 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 Buy the Best GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a brief recap of the data covered in the charts and tables above.

• Consumers who want increased liability limits will pay approximately $590 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers under the age of 20 are the costliest to insure, costing up to $393 each month if full coverage is included