GMC Sierra 2500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage insurance. Comprehensive costs approximately $190 a year, collision costs $300, and liability coverage is estimated at $540. A policy with just liability insurance costs approximately $592 a year, with coverage for high-risk drivers costing around $2,616. Teenage drivers pay the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, 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

Living in a larger city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and risk profile, rather than using 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 additional coverage and risk scenarios.

• The best discount rate is $724
• Choosing higher $1,000 deductibles can save $1,098 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,210
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,424
• Drivers who are prone to accidents and violations could pay around $2,616 or more
• The price for full coverage for a teenage driver can cost $4,856 each year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Sierra 2500HD insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,630 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $330 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $486 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, so the 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 Cheapest GMC Sierra 2500HD Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, maintaining good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a recap of the primary concepts that were touched on in this article.

• It is possible to save around $140 per year simply by quoting early and online
• Drivers that have major violations or accidents may pay on average $1,410 more per year for car insurance
• Increasing physical damage deductibles can save around $325 each year
• Teenagers are expensive to insure, as much as $405 a month for full coverage