GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage. Comprehensive costs around $176, collision insurance costs $274, and liability coverage is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs around $2,520. Teenage drivers pay the highest rates at up to $4,712 a year.

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $700
• Raising to $1,000 deductibles will save about $102 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,164
• Using more expensive low deductibles will cost $1,362
• Unlucky drivers who are prone to accidents and violations could pay at least $2,520
• The price with full coverage for a teenage driver with full coverage can be $4,712

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $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 can expect to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 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 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more per 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 $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,660 on average in Michigan, Louisiana, and New York.

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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 Cheap GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a quick review of the material that was touched on in the above illustrations.

• Consumers who may need more liability coverage will pay an extra $590 each year to raise from a low limit to higher 250/500 limits
• Teen drivers pay higher prices, with premiums as much as $393 a month including comprehensive and collision insurance
• Drivers with a DUI or reckless driving violation pay an average of $1,360 more every year to insure their Sierra 2500HD
• Increasing physical damage deductibles could save up to $300 each year