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 costs an estimated $176, collision costs $274, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance 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:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay approximately $102 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,164
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• Drivers who are prone to accidents and violations could pay up to $2,520 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,712 a year

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD are also quite variable based on the model of your Sierra 2500HD, your age and driving record, and liability limits and deductibles.

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

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low 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 at least $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 be forced to pay as much as $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $300 annually, whereas buying more liability protection will increase premiums. 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 which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, 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 insurance for a GMC Sierra 2500HD not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief summary of the primary concepts that were illustrated above.

• It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,360 more annually to insure a GMC Sierra 2500HD
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers under the age of 20 have the highest car insurance prices, as much as $393 a month if full coverage is purchased