GMC Sierra 2500HD Insurance Rates

The average insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage. Comprehensive insurance costs around $190, collision insurance costs $300, and liability insurance is estimated at $540. A liability-only policy costs approximately $592 a year, and high-risk insurance costs $2,616 or more. Teenage drivers cost the most to insure at up to $4,856 a year.

Average premium for full coverage: $1,210

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Sierra 2500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save about $112 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,210
• Using pricier low deductibles for comp and collision coverage will cost an additional $214 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,616
• Policy cost that insures a teen driver for full coverage can be $4,856 each year

View Chart as Image

Car insurance rates for a GMC Sierra 2500HD also range considerably based on the model of your Sierra 2500HD, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,400 to $2,100 extra every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges anywhere from 43% to 129% more than a normal policy. 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 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,730 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $330 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable GMC Sierra 2500HD Insurance

Finding cheaper rates on GMC Sierra 2500HD insurance takes avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices every time your policy renews by getting rate quotes from direct carriers, and also from several local insurance agents.

The points below are a brief review of the information covered above.

• Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
• Drivers under the age of 20 are the costliest to insure, costing up to $405 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• High-risk drivers with DUI or reckless driving convictions pay on average $1,410 more every year to insure a GMC Sierra 2500HD
• Drivers who may need increased liability limits will pay an extra $590 each year to raise limits from a 30/60 limit to the 250/500 level