GMC Sierra 2500HD Insurance Rates
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UPDATED: May 7, 2024
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Estimated auto insurance rates for a GMC Sierra 2500HD are $1,238 annually including full coverage. Comprehensive insurance costs around $194 a year, collision insurance costs $330, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,688 or more. 16-year-old drivers pay the most at up to $4,960 a year.
Average premium for full coverage: $1,238
Premium estimates for type of coverage:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Sierra 2500HD trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a GMC Sierra 2500HD range from as cheap as $588 for basic liability insurance to a high of $2,688 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.
These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
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.
Rate Comparisons
The chart below breaks down average GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $736
- Raising to $1,000 deductibles will save about $1,120 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,238
- Buying low $100 deductibles costs an additional $234 annually
- Drivers with multiple tickets or accidents could pay at least $2,688
- An auto insurance policy with full coverage for a 16-year-old driver can be $4,960
Insurance prices for a GMC Sierra 2500HD also have a wide range based on the model of your Sierra 2500HD, your driving characteristics, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $360 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find prices as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,770 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$118 | -9.5% |
| Alaska | $952 | -$286 | -23.1% |
| Arizona | $1,030 | -$208 | -16.8% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,412 | $174 | 14.1% |
| Colorado | $1,182 | -$56 | -4.5% |
| Connecticut | $1,274 | $36 | 2.9% |
| Delaware | $1,402 | $164 | 13.2% |
| Florida | $1,552 | $314 | 25.4% |
| Georgia | $1,146 | -$92 | -7.4% |
| Hawaii | $890 | -$348 | -28.1% |
| Idaho | $840 | -$398 | -32.1% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $936 | -$302 | -24.4% |
| Iowa | $838 | -$400 | -32.3% |
| Kansas | $1,178 | -$60 | -4.8% |
| Kentucky | $1,692 | $454 | 36.7% |
| Louisiana | $1,836 | $598 | 48.3% |
| Maine | $766 | -$472 | -38.1% |
| Maryland | $1,022 | -$216 | -17.4% |
| Massachusetts | $990 | -$248 | -20.0% |
| Michigan | $2,150 | $912 | 73.7% |
| Minnesota | $1,038 | -$200 | -16.2% |
| Mississippi | $1,486 | $248 | 20.0% |
| Missouri | $1,100 | -$138 | -11.1% |
| Montana | $1,332 | $94 | 7.6% |
| Nebraska | $978 | -$260 | -21.0% |
| Nevada | $1,488 | $250 | 20.2% |
| New Hampshire | $894 | -$344 | -27.8% |
| New Jersey | $1,388 | $150 | 12.1% |
| New Mexico | $1,096 | -$142 | -11.5% |
| New York | $1,306 | $68 | 5.5% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,016 | -$222 | -17.9% |
| Ohio | $854 | -$384 | -31.0% |
| Oklahoma | $1,272 | $34 | 2.7% |
| Oregon | $1,136 | -$102 | -8.2% |
| Pennsylvania | $1,182 | -$56 | -4.5% |
| Rhode Island | $1,652 | $414 | 33.4% |
| South Carolina | $1,124 | -$114 | -9.2% |
| South Dakota | $1,048 | -$190 | -15.3% |
| Tennessee | $1,084 | -$154 | -12.4% |
| Texas | $1,492 | $254 | 20.5% |
| Utah | $916 | -$322 | -26.0% |
| Vermont | $850 | -$388 | -31.3% |
| Virginia | $740 | -$498 | -40.2% |
| Washington | $956 | -$282 | -22.8% |
| West Virginia | $1,136 | -$102 | -8.2% |
| Wisconsin | $856 | -$382 | -30.9% |
| Wyoming | $1,104 | -$134 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,216 | $101 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,118 | $93 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,238 | $103 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $1,238 | $103 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,142 | $95 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,142 | $95 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,262 | $105 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,164 | $97 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,164 | $97 |
| GMC Sierra 2500HD SLT Crew Cab 2WD | $1,286 | $107 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| 2023 GMC Sierra 2500HD | $320 | $630 | $440 | $1,570 |
| 2022 GMC Sierra 2500HD | $306 | $626 | $450 | $1,562 |
| 2021 GMC Sierra 2500HD | $296 | $610 | $470 | $1,556 |
| 2020 GMC Sierra 2500HD | $286 | $586 | $486 | $1,538 |
| 2019 GMC Sierra 2500HD | $270 | $564 | $500 | $1,514 |
| 2018 GMC Sierra 2500HD | $260 | $524 | $510 | $1,474 |
| 2017 GMC Sierra 2500HD | $250 | $494 | $514 | $1,438 |
| 2016 GMC Sierra 2500HD | $240 | $442 | $520 | $1,382 |
| 2015 GMC Sierra 2500HD | $224 | $408 | $520 | $1,332 |
| 2014 GMC Sierra 2500HD | $216 | $382 | $524 | $1,302 |
| 2013 GMC Sierra 2500HD | $210 | $356 | $534 | $1,280 |
| 2012 GMC Sierra 2500HD | $194 | $330 | $534 | $1,238 |
| 2011 GMC Sierra 2500HD | $190 | $300 | $540 | $1,210 |
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 Buy the Cheapest GMC Sierra 2500HD Insurance
Finding better rates on insurance for a GMC Sierra 2500HD consists of not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a recap of the ideas that were touched on above.
- Teens pay higher prices, with the cost nearing $413 per month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents may pay on average $1,450 more every year for Sierra 2500HD insurance
- Increasing policy deductibles could save up to $350 each year
- You may be able to save up to $140 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,960 |
| 20 | $2,868 |
| 30 | $1,268 |
| 40 | $1,238 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,472 |
| $250 | $1,364 |
| $500 | $1,238 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,393 |
| 100/300 | $1,526 |
| 250/500 | $1,873 |
| 100 CSL | $1,446 |
| 300 CSL | $1,740 |
| 500 CSL | $1,954 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,016 |
| 20 | $4,572 |
| 30 | $2,718 |
| 40 | $2,688 |
| 50 | $2,572 |
| 60 | $2,546 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $48 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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