GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage insurance. Comprehensive costs an estimated $176, collision costs $274, and liability insurance costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing around $2,520. 16-year-old drivers pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than congested cities.

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

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $700
• Using higher $1,000 deductibles will save approximately $102 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,164
• Buying more expensive low deductibles for physical damage coverage will cost $1,362
• Drivers with multiple tickets or accidents could pay up to $2,520 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $4,712 or more

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $300 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different between companies.

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 Affordable GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance requires being safe and accident-free, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,360 more annually than a low-risk driver
• Youthful drivers are charged the highest prices, as much as $393 a month including comprehensive and collision insurance
• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $300 each year
• It is possible to save approximately $130 per year simply by shopping early and online