GMC Sierra 2500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $190 each year, collision insurance costs $300, and liability costs around $540. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs $2,616 or more. 16-year-old 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 include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Sierra 2500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why all drivers should compare prices for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $724
• Using higher $1,000 deductibles will save approximately $112 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,210
• Buying low deductibles for physical damage coverage costs an extra $214 every year
• Drivers with multiple tickets or accidents could pay up to $2,616
• An auto insurance policy to insure a teen driver can cost as much as $4,856 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $330 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared 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 probably paying $1,400 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 129% more than the average rate. 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 $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,630 on average in Florida, New York, and Michigan.

View Chart as Image

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 the Right GMC Sierra 2500HD Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the information raised in the charts and tables above.

• It is possible to save approximately $140 per year just by quoting online in advance
• Teenagers are expensive to insure, with premiums being up to $405 per month if full coverage is included
• Increasing policy deductibles could save as much as $325 each year
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,410 more annually for car insurance
• Policyholders who want higher liability limits will pay around $590 annually to increase from 30/60 bodily injury limits to a 250/500 level