GMC Sierra 2500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive insurance costs an estimated $176, collision costs $274, and liability insurance is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers 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 broken down by individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 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 car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates 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 details estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save approximately $102 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,164
• Choosing more expensive low deductibles will cost an additional $198 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,520 or more
• The price that insures a teen driver with full coverage can cost as much as $4,712

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Insurance prices for a GMC Sierra 2500HD are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $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

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,700 a year. View Rates by Age

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 $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,570 on average in New York, Michigan, and Florida.

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Choosing high deductibles can reduce prices by up to $300 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the 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 the Best Cheap GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every other renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The points below are a quick review of the concepts that were covered above.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,360 more annually to insure a GMC Sierra 2500HD
• Drivers under the age of 20 are charged the highest prices, costing up to $393 a month if full coverage is included
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $300 each year
• You may be able to save approximately $130 per year simply by shopping early and online