GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually for full coverage insurance. Comprehensive insurance costs on average $176 a year, collision costs $274, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,520 or more. 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:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist 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 significant impact on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay around $1,062 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,164
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $198 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,520 or more
• The price with full coverage for a teen driver may cost $4,712 a year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $300 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy Cheaper GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,360 more each year than a low-risk driver
• It is possible to save as much as $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $300 each year
• Drivers who require more liability protection will pay an extra $590 annually to go from a low limit to higher 250/500 limits