GMC Sierra 2500HD Insurance Rates

Estimated auto insurance rates for a GMC Sierra 2500HD are $1,238 annually for full coverage. Comprehensive costs on average $194 a year, collision costs $330, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,688. Teens pay the most at $4,960 a year or more.

Average premium for full coverage: $1,238

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $736
• Drivers who choose higher $1,000 deductibles will pay around $1,120 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,238
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,472
• High risk drivers with serious driving violations could pay upwards of $2,688 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,960 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $360 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company calculates prices differently, so the 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 Best Cheap GMC Sierra 2500HD Insurance

Finding better rates on GMC Sierra 2500HD insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop at every policy renewal by getting price quotes from direct carriers, and also from local insurance agents.

The following items are a quick review of the data touched on in the above illustrations.

• Drivers who require additional liability coverage will pay approximately $590 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save as much as $140 per year simply by quoting early and online
• Increasing policy deductibles could save up to $350 each year
• 16 to 18-year-old drivers pay the highest prices, as much as $413 per month including comprehensive and collision insurance