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, collision costs $274, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers 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:

Includes $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Sierra 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location, rather than using average rates.

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

More 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
• Drivers who choose higher $1,000 deductibles will pay around $102 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,164
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,362
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,520 or more
• The price that insures a teenage driver with full coverage may cost $4,712 a year

View Chart as Image

Insurance prices for a GMC Sierra 2500HD are also quite variable based on the model year and trim level, 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 additional each year, depending on your age. High-risk driver insurance can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards 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 $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 could save up to $300 a year, while increasing your policy's 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 more each 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 compare prices and see how they stack up. Every company uses a different method to calculate prices, and 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 Cheapest GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a recap of the coverage data touched on above.

• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $300 each year
• Teens pay higher prices, possibly costing $393 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,360 more each year for Sierra 2500HD insurance