GMC Sierra 2500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive insurance costs approximately $176 a year, collision costs $274, and liability coverage costs $534. Liability-only insurance costs as little 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:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $700
• Drivers who choose higher $1,000 deductibles will pay $1,062 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,164
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $198 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,520 or more
• The price that insures a teenage driver can cost $4,712 a year

View Chart as Image

Car insurance prices for a GMC Sierra 2500HD are also quite variable based on the trim level of your Sierra 2500HD, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,570 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $300 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection 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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Every company uses a different rate calculation, so rate quotes 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 Cheaper GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and avoiding coverage lapses. Shop around at every other renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below is a condensed summary of the concepts that were illustrated above.

• Drivers with multiple at-fault accidents could be charged and average of $1,360 more per year for auto insurance
• Teenage drivers pay the highest auto insurance prices, as much as $393 a month if full coverage is purchased
• It is possible to save around $130 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $300 each year
• It is possible to save around $130 per year simply by quoting early and online