GMC Sierra 2500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 2500HD are $1,164 annually with full coverage. Comprehensive insurance costs an estimated $176, collision costs $274, and liability coverage is $534. Buying just liability costs around $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 broken down by individual coverage:

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below details estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.

• The best discount rate is $700
• Raising to $1,000 deductibles will save approximately $102 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,164
• Using pricier low deductibles costs an additional $198 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,520 or more
• The price with full coverage for a teenage driver for full coverage can cost as much as $4,712

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months 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 at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $2,000 additional each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $300 a year, whereas buying more liability protection will increase premiums. Moving 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 also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance 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 the Right GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the car insurance concepts presented in the illustrations above.

• Drivers with reckless driving or DUI convictions pay on average $1,360 more annually to buy GMC Sierra 2500HD insurance
• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $300 each year
• Consumers who want increased levels of liability coverage will pay an extra $590 every year to raise from a low limit to higher 250/500 limits