GMC Sierra 2500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive insurance costs on average $176 each year, collision costs $274, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage 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 by individual coverage:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save around $102 every year
• The average price for the average middle-age driver with $500 deductibles is $1,164
• Selecting low deductibles for comp and collision coverage costs an extra $198 each year
• Drivers with serious driving violations could pay upwards of $2,520 or more
• The price to insure a teenage driver may cost $4,712 each year

View Chart as Image

Auto insurance prices for a GMC Sierra 2500HD are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Sierra 2500HD.

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, and quoted prices 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 Shop for Cheaper GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance takes having a good driving record, having a good credit score, being claim-free, and taking advantage of discounts. Take the time to compare rates every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the coverage data covered in the above illustrations.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers age 20 and younger are charged the highest prices, possibly costing $393 a month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents may pay on average $1,360 more each year to buy GMC Sierra 2500HD insurance