GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage. Comprehensive costs approximately $176, collision costs $274, and liability coverage costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing around $2,520. 16-year-old drivers pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have fewer accident claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save $102 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,164
• Buying more expensive low deductibles for physical damage coverage will cost $1,362
• Higher-risk drivers with multiple tickets or accidents could pay around $2,520 or more
• The price with full coverage for a teenage driver with full coverage can cost $4,712 or more

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Insurance prices for a GMC Sierra 2500HD are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can be around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $300 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see prices as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,660 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite 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 Cheap GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the information raised in the charts and tables above.

• Drivers can save around $130 per year simply by shopping early and online
• Youthful drivers are the costliest to insure, with premiums as much as $393 a month if they have full coverage
• Increasing physical damage deductibles could save up to $300 each year
• Drivers that tend to have accidents or serious violations pay on average $1,360 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay around $590 each year to increase from a low limit to higher 250/500 limits