GMC Sierra 2500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months including full coverage. Comprehensive costs an estimated $190, collision insurance costs $300, and liability insurance is estimated at $540. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs around $2,616. Teenage drivers pay the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,210

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save approximately $112 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,210
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,424
• High-risk insureds who are prone to accidents and violations could pay up to $2,616
• The price to insure a teen driver with full coverage can cost as much as $4,856 each year

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

Using high physical damage deductibles can save as much as $330 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $486 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% 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 $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

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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 GMC Sierra 2500HD insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a review of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $140 per year just by shopping early and online
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,410 more annually for auto insurance
• Increasing physical damage deductibles could save as much as $325 each year
• Teenage drivers are the costliest to insure, possibly costing $405 a month if comprehensive and collision insurance is included