GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Price estimates for individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above show why all drivers should compare rates for a specific zip code, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $700
• Drivers who choose higher $1,000 deductibles will pay about $102 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,164
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $198 a year
• High risk drivers with serious driving violations could pay at least $2,520 or more
• The price that insures a teen driver can be $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, how you drive, and deductibles and policy limits.

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged 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 $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 each year, whereas increasing liability limits will increase prices. Going 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 know your exact price is to do a rate comparison from as many companies as possible. Every company calculates prices differently, 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 Cheap GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance not only requires avoiding accidents and claims, but also having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every couple of years by obtaining price quotes from direct carriers, and also from several local insurance agents.

The points below are a brief summary of the material that was touched on in this article.

• Drivers who may need increased liability limits will pay approximately $590 each year to go from a low limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $393 a month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations pay on average $1,360 more every year to insure a GMC Sierra 2500HD
• Increasing physical damage deductibles can save approximately $300 each year