GMC Sierra 2500HD Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 7, 2024
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Average auto insurance rates for a GMC Sierra 2500HD are $1,210 annually for full coverage insurance. Comprehensive costs around $190 each 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. Teen drivers receive the highest rates at $4,856 a year or more.
Average premium for full coverage: $1,210
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Sierra 2500HD models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $592 for just the minimum liability insurance to a high rate of $2,616 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using price 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.
Additional Rate Analysis
The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $724
- Choosing higher $1,000 deductibles can save about $112 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,210
- Choosing low deductibles for comp and collision coverage will cost $1,424
- Drivers with multiple violations and an at-fault accident could pay at least $2,616 or more
- The cost with full coverage for a teenage driver can be $4,856 each year
Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level of your Sierra 2500HD, your risk profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $330 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $486 more each year. View Rates by Deductible or Liability Limit
Where you live 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 Vermont, Wisconsin, and North Carolina, or as much as $1,630 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,094 | -$116 | -9.6% |
Alaska | $928 | -$282 | -23.3% |
Arizona | $1,006 | -$204 | -16.9% |
Arkansas | $1,210 | -$0 | 0.0% |
California | $1,378 | $168 | 13.9% |
Colorado | $1,154 | -$56 | -4.6% |
Connecticut | $1,240 | $30 | 2.5% |
Delaware | $1,368 | $158 | 13.1% |
Florida | $1,514 | $304 | 25.1% |
Georgia | $1,118 | -$92 | -7.6% |
Hawaii | $868 | -$342 | -28.3% |
Idaho | $820 | -$390 | -32.2% |
Illinois | $900 | -$310 | -25.6% |
Indiana | $912 | -$298 | -24.6% |
Iowa | $814 | -$396 | -32.7% |
Kansas | $1,148 | -$62 | -5.1% |
Kentucky | $1,648 | $438 | 36.2% |
Louisiana | $1,788 | $578 | 47.8% |
Maine | $748 | -$462 | -38.2% |
Maryland | $998 | -$212 | -17.5% |
Massachusetts | $966 | -$244 | -20.2% |
Michigan | $2,100 | $890 | 73.6% |
Minnesota | $1,012 | -$198 | -16.4% |
Mississippi | $1,450 | $240 | 19.8% |
Missouri | $1,070 | -$140 | -11.6% |
Montana | $1,298 | $88 | 7.3% |
Nebraska | $954 | -$256 | -21.2% |
Nevada | $1,450 | $240 | 19.8% |
New Hampshire | $870 | -$340 | -28.1% |
New Jersey | $1,352 | $142 | 11.7% |
New Mexico | $1,070 | -$140 | -11.6% |
New York | $1,274 | $64 | 5.3% |
North Carolina | $696 | -$514 | -42.5% |
North Dakota | $992 | -$218 | -18.0% |
Ohio | $834 | -$376 | -31.1% |
Oklahoma | $1,240 | $30 | 2.5% |
Oregon | $1,108 | -$102 | -8.4% |
Pennsylvania | $1,150 | -$60 | -5.0% |
Rhode Island | $1,614 | $404 | 33.4% |
South Carolina | $1,096 | -$114 | -9.4% |
South Dakota | $1,022 | -$188 | -15.5% |
Tennessee | $1,056 | -$154 | -12.7% |
Texas | $1,456 | $246 | 20.3% |
Utah | $894 | -$316 | -26.1% |
Vermont | $828 | -$382 | -31.6% |
Virginia | $724 | -$486 | -40.2% |
Washington | $932 | -$278 | -23.0% |
West Virginia | $1,108 | -$102 | -8.4% |
Wisconsin | $838 | -$372 | -30.7% |
Wyoming | $1,076 | -$134 | -11.1% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Sierra 2500HD SLE Regular Cab 2WD | $1,188 | $99 |
GMC Sierra 2500HD SLE Regular Cab 4WD | $1,090 | $91 |
GMC Sierra 2500HD SLE Crew Cab 2WD | $1,210 | $101 |
GMC Sierra 2500HD SLE Extended Cab 2WD | $1,210 | $101 |
GMC Sierra 2500HD SLE Crew Cab 4WD | $1,112 | $93 |
GMC Sierra 2500HD SLE Extended Cab 4WD | $1,112 | $93 |
GMC Sierra 2500HD SLT Extended Cab 2WD | $1,232 | $103 |
GMC Sierra 2500HD SLT Crew Cab 4WD | $1,134 | $95 |
GMC Sierra 2500HD SLT Extended Cab 4WD | $1,134 | $95 |
GMC Sierra 2500HD SLT Crew Cab 2WD | $1,254 | $105 |
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 | $320 | $630 | $440 | $1,570 |
2023 GMC Sierra 2500HD | $306 | $626 | $450 | $1,562 |
2022 GMC Sierra 2500HD | $296 | $610 | $470 | $1,556 |
2021 GMC Sierra 2500HD | $286 | $586 | $486 | $1,538 |
2020 GMC Sierra 2500HD | $270 | $564 | $500 | $1,514 |
2019 GMC Sierra 2500HD | $260 | $524 | $510 | $1,474 |
2018 GMC Sierra 2500HD | $250 | $494 | $514 | $1,438 |
2017 GMC Sierra 2500HD | $240 | $442 | $520 | $1,382 |
2016 GMC Sierra 2500HD | $224 | $408 | $520 | $1,332 |
2015 GMC Sierra 2500HD | $216 | $382 | $524 | $1,302 |
2014 GMC Sierra 2500HD | $210 | $356 | $534 | $1,280 |
2013 GMC Sierra 2500HD | $194 | $330 | $534 | $1,238 |
2012 GMC Sierra 2500HD | $190 | $300 | $540 | $1,210 |
2011 GMC Sierra 2500HD | $176 | $274 | $534 | $1,164 |
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 Cheap GMC Sierra 2500HD Insurance
Saving money on auto insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a brief summary of the car insurance concepts touched on in the above illustrations.
- Drivers that tend to have accidents or serious violations pay on average $1,410 more every year than a low-risk driver
- It is possible to save up to $140 per year simply by quoting online in advance
- Increasing deductibles could save up to $325 each year
- Consumers who may need more liability protection will pay about $590 annually to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,856 |
20 | $2,786 |
30 | $1,232 |
40 | $1,210 |
50 | $1,110 |
60 | $1,088 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,424 |
$250 | $1,326 |
$500 | $1,210 |
$1,000 | $1,098 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,210 |
50/100 | $1,362 |
100/300 | $1,497 |
250/500 | $1,848 |
100 CSL | $1,416 |
300 CSL | $1,713 |
500 CSL | $1,929 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,860 |
20 | $4,446 |
30 | $2,642 |
40 | $2,616 |
50 | $2,502 |
60 | $2,480 |
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 | $62 |
Multi-vehicle | $66 |
Homeowner | $21 |
5-yr Accident Free | $77 |
5-yr Claim Free | $77 |
Paid in Full/EFT | $46 |
Advance Quote | $55 |
Online Quote | $82 |
Total Discounts | $486 |
Discounts are estimated and may not be available from every company or in every state.
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