GMC Sierra 2500HD Insurance Rates

Average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months with full coverage. Comprehensive insurance costs approximately $176 a year, collision costs $274, and liability costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,520 or more. Teenage drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay $1,062 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,164
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $198 annually
• Drivers who are prone to accidents and violations could pay around $2,520 or more
• The cost to insure a 16-year-old driver can cost $4,712 a year

View Chart as Image

Auto insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Sierra 2500HD.

Using high physical damage deductibles could save up to $300 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates can be significantly 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

Saving money on insurance for a GMC Sierra 2500HD not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the material that was presented in the illustrations above.

• Insureds who purchase an increased level of liability coverage will pay an extra $590 every year to go from a minimum limit to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, with premiums as much as $393 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,360 more per year than a safer driver
• Increasing deductibles could save as much as $300 each year