GMC Sierra 2500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months for full coverage insurance. Comprehensive costs an estimated $176, collision insurance costs $274, and liability coverage is estimated at $534. A policy with just liability insurance costs approximately $588 a year, and coverage for high-risk drivers costs around $2,520. Teenage drivers pay the highest rates at up to $4,712 a year.

Average premium for full coverage: $1,164

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities. The example below illustrates how your location can change insurance prices.

The ranges above illustrate why everyone should get quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best discount rate is $700
• Choosing higher $1,000 deductibles can save approximately $102 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,164
• Using pricier low deductibles for comp and collision coverage increases the price to $1,362
• Drivers who are prone to accidents and violations could pay up to $2,520
• The price to insure a teenage driver for full coverage can cost as much as $4,712 each year

View Chart as Image

Insurance prices for a GMC Sierra 2500HD are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $300 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean 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 can expect to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges around 42% to 133% more than a normal 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 $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

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 Low Cost GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a review of the ideas that were illustrated above.

• Drivers under the age of 20 are charged the highest prices, as much as $393 a month if they have full coverage
• Drivers who have several accidents or serious violations could be forced to pay on average $1,360 more annually to insure a GMC Sierra 2500HD
• Increasing physical damage deductibles could save as much as $300 each year
• It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date