GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Rates are based on $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay about $102 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,164
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $198 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,520 or more
• The price for full coverage for a teen driver for full coverage can be $4,712 a year

View Chart as Image

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

A more mature driver with a good driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $300 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 Cheap GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance not only requires having a good driving record, but also having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the material that was covered above.

• Drivers who may need increased levels of liability coverage will pay an extra $590 annually to go from a low limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, as much as $393 a month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,360 more every year to buy GMC Sierra 2500HD insurance
• Increasing physical damage deductibles can save around $300 each year