GMC Sierra 2500HD Insurance Rates

Average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months for full coverage. Comprehensive costs around $176, collision costs $274, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,520. Teenage drivers receive the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $700
• Drivers who choose higher $1,000 deductibles will pay about $102 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,164
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,362
• High risk drivers who are prone to accidents and violations could pay at least $2,520 or more
• The cost to insure a teen driver with full coverage can be $4,712 a year

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Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could save up to $300 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,660 on average in Michigan, Louisiana, and New York.

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With so much variability in rates, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly 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 Shop for the Best Cheap GMC Sierra 2500HD Insurance

Saving money on GMC Sierra 2500HD insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick review of the information presented in the illustrations above.

• Drivers can save up to $130 per year simply by shopping early and online
• Youthful drivers are the costliest to insure, costing as high as $393 per month if the policy includes full coverage
• Increasing deductibles could save as much as $300 each year
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,360 more every year than a low-risk driver
• Drivers who may need more liability protection will pay an extra $590 each year to go from a minimum limit to a 250/500 level