GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually including full coverage. Comprehensive insurance costs around $176, collision costs $274, and liability insurance is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,520 or more. Teen drivers pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. 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 significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save about $102 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,164
• Choosing more expensive low deductibles costs an additional $198 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,520 or more
• The price with full coverage for a teen driver with full coverage can be $4,712

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $300 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury 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

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 Missouri, New Hampshire, and Vermont, or as much as $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 your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes 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 Cheapest GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the data covered in the above illustrations.

• Drivers who may need higher liability limits will pay about $590 per year to raise from a low limit to higher 250/500 limits
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $300 each year
• Teenagers are the costliest to insure, possibly costing $393 a month if comprehensive and collision insurance is included