GMC Sierra 2500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs an estimated $176, collision costs $274, and liability insurance is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing around $2,520. Teen 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:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

The ranges above show why everyone should get quotes for a targeted area, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $700
• Choosing higher $1,000 deductibles can save approximately $102 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,164
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,362
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,520 or more
• The price that insures a teen driver for full coverage can cost as much as $4,712 each year

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Auto insurance prices for a GMC Sierra 2500HD are also quite variable based on the model of your Sierra 2500HD, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 in extra premium each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

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 $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,660 on average in New York, Louisiana, and Michigan.

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Choosing high deductibles can save as much as $300 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, 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 Find Affordable GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief review of the primary concepts that were touched on above.

• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,360 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $300 each year
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $393 a month if the policy includes full coverage