GMC Sierra 2500HD Insurance Rates

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive insurance costs approximately $176, collision costs $274, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing $2,520 or more. Teen drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save $102 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,164
• Choosing pricier low deductibles for physical damage coverage will cost an additional $198 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,520 or more
• The cost that insures a teen driver for full coverage can cost $4,712 or more

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on the model of your Sierra 2500HD, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be anywhere from 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $300 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly 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 Best GMC Sierra 2500HD Insurance

Saving money on GMC Sierra 2500HD insurance requires being a good driver, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Shop around at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the car insurance concepts presented in the illustrations above.

• High-risk drivers who tend to receive serious violations may have to pay on average $1,360 more per year than a safer driver
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $300 each year
• Drivers who purchase an increased level of liability coverage will pay about $590 every year to increase from a minimum limit to the 250/500 level