GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $700
• Choosing higher $1,000 deductibles can save around $102 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,164
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,362
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• The price with full coverage for a 16-year-old driver with full coverage may cost $4,712 each year

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $300 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes 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 the Best GMC Sierra 2500HD Insurance

Getting lower rates on insurance for a GMC Sierra 2500HD takes having a decent driving record, having a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the coverage data touched on in this article.

• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $300 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $393 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations pay on average $1,360 more each year than a driver with a clean driving record