GMC Sierra 2500HD Insurance Rates

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UPDATED: May 7, 2024

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The average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive costs on average $176 a year, collision costs $274, and liability coverage costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,520. Teenage drivers cost the most to insure at $4,712 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Comprehensive $176
Collision $274
Liability $534

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range Variability

For an average driver, GMC Sierra 2500HD insurance rates go from as low as $588 for liability-only coverage to a high of $2,520 for coverage for higher-risk drivers.

Liability Only $588
Full Coverage $1,164
High Risk $2,520

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $873
Small Cities $1,222
Large Cities $1,571

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below details estimated GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

  • The best discount rate is $700
  • Using higher $1,000 deductibles will save around $1,062 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,164
  • Using low $100 deductibles for physical damage coverage will increase the cost to $1,362
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,520 or more
  • Policy cost for full coverage for a teenage driver may cost $4,712 or more

View Chart as Image

GMC Sierra 2500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 2500HD insurance rates range from $700 to $4,712

Insurance rates for a GMC Sierra 2500HD also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see rates as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,570 on average in Florida, Michigan, and New York.

GMC Sierra 2500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,054 -$110 -9.5%
Alaska $894 -$270 -23.2%
Arizona $968 -$196 -16.8%
Arkansas $1,164 -$0 0.0%
California $1,330 $166 14.3%
Colorado $1,110 -$54 -4.6%
Connecticut $1,198 $34 2.9%
Delaware $1,318 $154 13.2%
Florida $1,458 $294 25.3%
Georgia $1,078 -$86 -7.4%
Hawaii $836 -$328 -28.2%
Idaho $790 -$374 -32.1%
Illinois $866 -$298 -25.6%
Indiana $882 -$282 -24.2%
Iowa $788 -$376 -32.3%
Kansas $1,106 -$58 -5.0%
Kentucky $1,590 $426 36.6%
Louisiana $1,726 $562 48.3%
Maine $722 -$442 -38.0%
Maryland $962 -$202 -17.4%
Massachusetts $932 -$232 -19.9%
Michigan $2,022 $858 73.7%
Minnesota $976 -$188 -16.2%
Mississippi $1,398 $234 20.1%
Missouri $1,032 -$132 -11.3%
Montana $1,252 $88 7.6%
Nebraska $920 -$244 -21.0%
Nevada $1,400 $236 20.3%
New Hampshire $842 -$322 -27.7%
New Jersey $1,304 $140 12.0%
New Mexico $1,032 -$132 -11.3%
New York $1,228 $64 5.5%
North Carolina $672 -$492 -42.3%
North Dakota $954 -$210 -18.0%
Ohio $804 -$360 -30.9%
Oklahoma $1,196 $32 2.7%
Oregon $1,068 -$96 -8.2%
Pennsylvania $1,110 -$54 -4.6%
Rhode Island $1,554 $390 33.5%
South Carolina $1,056 -$108 -9.3%
South Dakota $986 -$178 -15.3%
Tennessee $1,018 -$146 -12.5%
Texas $1,402 $238 20.4%
Utah $862 -$302 -25.9%
Vermont $798 -$366 -31.4%
Virginia $696 -$468 -40.2%
Washington $898 -$266 -22.9%
West Virginia $1,068 -$96 -8.2%
Wisconsin $806 -$358 -30.8%
Wyoming $1,038 -$126 -10.8%

View Chart as Image

GMC Sierra 2500HD insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $300 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied 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.

GMC Sierra 2500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Sierra 2500HD $306 $626 $450 $1,562
2023 GMC Sierra 2500HD $296 $610 $470 $1,556
2022 GMC Sierra 2500HD $286 $586 $486 $1,538
2021 GMC Sierra 2500HD $270 $564 $500 $1,514
2020 GMC Sierra 2500HD $260 $524 $510 $1,474
2019 GMC Sierra 2500HD $250 $494 $514 $1,438
2018 GMC Sierra 2500HD $240 $442 $520 $1,382
2017 GMC Sierra 2500HD $224 $408 $520 $1,332
2016 GMC Sierra 2500HD $216 $382 $524 $1,302
2015 GMC Sierra 2500HD $210 $356 $534 $1,280
2014 GMC Sierra 2500HD $194 $330 $534 $1,238
2013 GMC Sierra 2500HD $190 $300 $540 $1,210
2012 GMC Sierra 2500HD $176 $274 $534 $1,164
2011 GMC Sierra 2500HD $166 $250 $534 $1,130

Rates are averaged for all GMC Sierra 2500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a recap of the primary concepts that were covered in the above illustrations.

  • You may be able to save as much as $130 per year simply by quoting early and online
  • Drivers that have major violations or accidents may be required to pay an average of $1,360 more each year to insure their Sierra 2500HD
  • Increasing comprehensive and collision deductibles can save around $300 each year
  • Teen drivers pay higher rates, as much as $393 each month including comprehensive and collision insurance

Rates by Driver Age

GMC Sierra 2500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,712
20 $2,686
30 $1,186
40 $1,164
50 $1,072
60 $1,050

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,362
$250 $1,272
$500 $1,164
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 2500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,164
50/100 $1,313
100/300 $1,446
250/500 $1,793
100 CSL $1,366
300 CSL $1,660
500 CSL $1,874

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 2500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,652
20 $4,284
30 $2,542
40 $2,520
50 $2,414
60 $2,388

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $73
5-yr Claim Free $73
Paid in Full/EFT $43
Advance Quote $52
Online Quote $79
Total Discounts $464
Rate after discounts $700

Discounts are estimated and may not be available from every company or in every state.

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