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 an estimated $176, collision costs $274, and liability insurance is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,520. Teenage drivers pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects insurance prices.

The ranges above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

The chart below breaks down estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best discount rate is $700
• Raising to $1,000 deductibles will save approximately $102 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,164
• Using pricier low deductibles will cost $1,362
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,520 or more
• The price with full coverage for a teen driver for full coverage can cost as much as $4,712

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,400 to $2,000 additional each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $300 each year, whereas buying more liability protection will increase premiums. Changing 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 also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, 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 the Best GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance consists of being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a brief recap of the information touched on in the above illustrations.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are expensive to insure, possibly costing $393 a month if they have full coverage
• Increasing physical damage deductibles could save up to $300 each year
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,360 more annually for auto insurance
• Drivers who want higher levels of liability will pay an extra $590 per year to raise from a low limit to higher 250/500 limits