GMC Sierra 2500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive costs on average $176 each year, collision costs $274, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,520. 16-year-old drivers pay the most at $4,712 a year or more.

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

These rate differences highlight why all drivers should get quotes based on a specific location, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $700
• Choosing higher $1,000 deductibles can save around $102 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,164
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,362
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,520 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,712 each year

View Chart as Image

Auto insurance prices for a GMC Sierra 2500HD also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $300 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and quoted 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 Right GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD takes being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Comparison shop every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the coverage data touched on above.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $300 each year
• Teenage drivers are charged the highest prices, with the cost nearing $393 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,360 more each year for auto insurance