GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,238 a year with full coverage. Comprehensive insurance costs around $194, collision costs $330, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,688 or more. Teens cost the most to insure at $4,960 a year or more.

Average premium for full coverage: $1,238

Policy rates for type of insurance:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sierra 2500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $736
• Using higher $1,000 deductibles will save about $118 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,238
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $234 every year
• Drivers with serious driving violations could pay at least $2,688 or more
• Policy cost that insures a teen driver with full coverage can be $4,960 or more

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be as much as 42% to 134% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see rates as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,670 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes will be varied.

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 Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief summary of the data that was presented in the illustrations above.

• You may be able to save up to $140 per year simply by shopping early and online
• Policyholders who may need increased levels of liability coverage will pay approximately $590 every year to increase from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, as much as $413 each month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,450 more every year to buy GMC Sierra 2500HD insurance