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 approximately $176, collision costs $274, and liability coverage is estimated at $534. A policy with just liability insurance costs approximately $588 a year, with coverage for high-risk drivers costing $2,520 or more. Teens pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 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 large influence on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save $102 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,164
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $198 each year
• Drivers with serious driving violations could pay around $2,520 or more
• The price that insures a teenage driver with full coverage can cost $4,712 each year

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Insurance prices for a GMC Sierra 2500HD are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

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 $840 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,570 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $300 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Each auto insurer calculates prices differently, so the prices may be quite different.

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 the Right GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every other policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

Below you'll find a quick rundown of the ideas that were illustrated above.

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