GMC Sierra 2500HD Insurance Rates

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

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes medical/PIP 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 can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $700
• Raising to $1,000 deductibles will save about $102 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,164
• Choosing pricier low deductibles will increase the cost to $1,362
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,520 or more
• The price for full coverage for a teen driver for full coverage can be $4,712

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $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 $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $300 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium each year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

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 Right GMC Sierra 2500HD Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a quick rundown of the material that was raised in the charts and tables above.

• Policyholders who may need more liability protection will pay about $590 every year to raise from a low limit to 250/500 limits
• Youthful drivers are expensive to insure, costing up to $393 a month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,360 more every year than a low-risk driver
• Increasing physical damage deductibles can save around $300 each year