GMC Sierra 2500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs around $176 a year, collision insurance costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,520. Teens pay the highest rates at up to $4,712 a year.

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

The ranges above highlight why it is important to compare prices for a specific zip code and their own driving history, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $700
• Using higher $1,000 deductibles will save about $1,062 every year
• The average price for the average middle-age driver using $500 deductibles is $1,164
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,362
• Drivers with serious driving violations could pay at least $2,520
• The price to insure a teen driver can be $4,712 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 every year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,660 on average in Michigan, New York, and Louisiana.

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 Cheaper GMC Sierra 2500HD Insurance

Getting lower rates on car insurance requires being a good driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the material that was touched on above.

• Policyholders who may need an increased level of liability coverage will pay approximately $590 per year to increase from a low limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest prices, possibly costing $393 a month if full coverage is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,360 more every year than a safer driver
• Increasing physical damage deductibles could save as much as $300 each year