GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,210

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $724
• Raising to $1,000 deductibles will save $1,098 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,210
• Using low $100 deductibles will increase the cost to $1,424
• Unlucky drivers who are prone to accidents and violations could pay around $2,616
• Policy cost for full coverage for a teenage driver can cost $4,856

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $330 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $486 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

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 Low Cost GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are the costliest to insure, costing up to $405 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations may pay on average $1,410 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers can save around $140 per year just by quoting early and online