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 approximately $176 each year, collision costs $274, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,520 or more. 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:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $700
• Drivers who choose higher $1,000 deductibles will pay $102 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,164
• Buying low deductibles for comprehensive and collision insurance will cost an additional $198 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,520 or more
• The price that insures a teen driver can cost $4,712 a 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 age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

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

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Opting for high physical damage deductibles could save up to $300 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection 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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, so rate quotes 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 Find Low Cost GMC Sierra 2500HD Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a positive credit history, not filing small claims, and avoiding coverage lapses. Comparison shop at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,360 more per year than a low-risk driver
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $300 each year
• Policyholders who purchase more liability protection will pay around $590 annually to go from a low limit to the 250/500 level