GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage. Comprehensive costs an estimated $190, collision costs $300, and liability costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $2,616. Teen drivers cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,210

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how location helps determine insurance prices.

The examples above show why everyone should compare rates for a targeted area and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $724
• Drivers who choose higher $1,000 deductibles will pay approximately $112 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,210
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,424
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,616 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,856 a year

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 liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or as much as $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $330 every year, whereas buying more liability protection will increase premiums. 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 $1,400 to $2,100 additional every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost as much as 43% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, and rates will be varied from one company to the next.

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 Best Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the coverage data covered in the charts and tables above.

• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $405 each month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,410 more annually than a safer driver