GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually including full coverage. Comprehensive insurance costs on average $176 each year, collision insurance costs $274, and liability insurance is $534. Liability-only insurance costs around $588 a year, and high-risk driver insurance costs $2,520 or more. Teenage drivers pay the highest rates at up to $4,712 a year.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

The chart below breaks down average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The best discount rate is $700
• Raising to $1,000 deductibles will save around $102 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,164
• Using low deductibles costs an additional $198 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,520
• The price with full coverage for a teen driver may cost $4,712

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $300 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

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 $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $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 Buy the Cheapest GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a recap of the information raised in the charts and tables above.

• You may be able to save as much as $130 per year just by quoting online in advance
• Teenage drivers are expensive to insure, possibly costing $393 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $300 each year
• High-risk drivers that have major violations or accidents pay on average $1,360 more each year for auto insurance
• Drivers who require higher levels of liability will pay an extra $590 per year to raise from a low limit to higher 250/500 limits