GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save around $102 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,164
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,362
• Unlucky drivers with serious driving violations could pay upwards of $2,520 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,712 each year

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Insurance prices for a GMC Sierra 2500HD also have a wide range based on the model of your Sierra 2500HD, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance ranges as much as 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 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

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 $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,570 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially different between companies.

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 Cheapest GMC Sierra 2500HD Insurance

Finding better rates on car insurance takes having a good driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by requesting rates from direct companies, and also from local independent and exclusive agents.

The next list is a recap of the information touched on in the above illustrations.

• You may be able to save as much as $130 per year simply by shopping early and online
• Drivers age 20 and younger pay higher prices, possibly costing $393 per month if they have full coverage
• Increasing policy deductibles could save up to $300 each year
• Higher risk drivers that have major violations or accidents pay an average of $1,360 more each year to buy GMC Sierra 2500HD insurance
• Policyholders who require increased levels of liability coverage will pay approximately $590 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits