GMC Sierra 2500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months including full coverage. Comprehensive costs an estimated $190 a year, collision costs $300, and liability coverage is $540. A policy with just liability insurance costs around $592 a year, with coverage for high-risk drivers costing around $2,616. Teenage drivers pay the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below breaks down estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best discount rate is $724
• Raising to $1,000 deductibles will save approximately $1,098 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,210
• Using low $100 deductibles increases the price to $1,424
• Unlucky drivers who are prone to accidents and violations could pay up to $2,616 or more
• The price to insure a teenage driver can cost as much as $4,856

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Insurance prices for a GMC Sierra 2500HD are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $330 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $486 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Shop for the Best GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance consists of being a good driver, having good credit, being claim-free, and taking advantage of discounts. Spend time shopping around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the coverage data touched on above.

• You may be able to save approximately $140 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $405 a month if they have full coverage
• Drivers who tend to receive serious violations may have to pay on average $1,410 more annually than a safer driver