GMC Sierra 2500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive costs on average $176, collision costs $274, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers 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 by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas.

The example below illustrates how location impacts car insurance rates.

The ranges above demonstrate why everyone should compare rates based on a specific location, rather than using 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 different risk profiles and scenarios.

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay around $102 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,164
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• The price that insures a teenage driver for full coverage may cost $4,712 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost around 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,570 on average in Florida, Michigan, and New York.

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Choosing high deductibles could save up to $300 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and 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 Cheap GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around every year by getting quotes from direct companies, and also from several local insurance agents.

Below you'll find a brief summary of the coverage data touched on above.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $300 each year
• Youthful drivers pay higher prices, costing up to $393 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations pay on average $1,360 more each year than a low-risk driver