GMC Sierra 2500HD Insurance Rates

Average auto insurance rates for a GMC Sierra 2500HD are $1,210 annually for full coverage insurance. Comprehensive costs around $190 each year, collision costs $300, and liability coverage is estimated at $540. A policy with just liability insurance costs approximately $592 a year, with coverage for high-risk drivers costing around $2,616. Teen drivers receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Sierra 2500HD models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $724
• Choosing higher $1,000 deductibles can save about $112 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,210
• Choosing low deductibles for comp and collision coverage will cost $1,424
• Drivers with multiple violations and an at-fault accident could pay at least $2,616 or more
• The cost with full coverage for a teenage driver can be $4,856 each year

View Chart as Image

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level of your Sierra 2500HD, your risk profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $330 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $486 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,630 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly 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 Cheap GMC Sierra 2500HD Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief summary of the car insurance concepts touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations pay on average $1,410 more every year than a low-risk driver
• It is possible to save up to $140 per year simply by quoting online in advance
• Increasing deductibles could save up to $325 each year
• Consumers who may need more liability protection will pay about $590 annually to raise limits from a minimum limit to higher 250/500 limits