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 on average $176, collision costs $274, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance 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 by individual coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Details

The chart below details estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $700
• Using higher $1,000 deductibles will save around $102 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,164
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $198 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,520 or more
• The price for full coverage for a teen driver with full coverage may cost $4,712 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

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 $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.

View Chart as Image

Choosing high deductibles could cut prices by as much as $300 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 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

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be as much as 42% to 133% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

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 Affordable GMC Sierra 2500HD Insurance

Getting lower rates on car insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a brief review of the ideas that were presented in the illustrations above.

• Youthful drivers are expensive to insure, costing up to $393 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,360 more each year than a low-risk driver
• Increasing physical damage deductibles can save around $300 each year
• You may be able to save as much as $130 per year simply by shopping early and online