GMC Sierra 2500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year including full coverage. Comprehensive costs on average $176 a year, collision costs $274, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,520. Teenage drivers pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

• The best discount rate is $700
• Raising to $1,000 deductibles will save around $1,062 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,164
• Using low $100 deductibles bumps up the cost to $1,362
• Drivers who are prone to accidents and violations could pay upwards of $2,520 or more
• The price that insures a 16-year-old driver may cost $4,712

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

The state you live in also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find prices as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $300 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted 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 Best GMC Sierra 2500HD Insurance

Getting lower rates on insurance for a GMC Sierra 2500HD consists of having a good driving record, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare prices once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the data that was covered above.

• You may be able to save as much as $130 per year simply by quoting early and online
• Insureds who require increased levels of liability coverage will pay an extra $590 per year to raise from a low limit to the 250/500 level
• Drivers age 20 and younger are charged the highest prices, possibly costing $393 a month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,360 more each year to buy GMC Sierra 2500HD insurance