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

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why everyone should get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

More Rate Information

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $700
• Choosing higher $1,000 deductibles can save about $102 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,164
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,362
• High-risk insureds with serious driving violations could pay at least $2,520 or more
• The price for full coverage for a teen driver for full coverage can be $4,712 each year

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $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 $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers ranges anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices 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 More Affordable GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance takes being safe and accident-free, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a summary of the material that was raised in the charts and tables above.

• Drivers who may need more liability protection will pay approximately $590 annually to raise limits from a low limit to 250/500 limits
• Youthful drivers pay higher prices, as much as $393 a month for full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,360 more every year than a low-risk driver
• Increasing physical damage deductibles can save around $300 each year