GMC Sierra 2500HD Insurance Rates

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UPDATED: May 7, 2024

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U.S. average insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months for full coverage. Comprehensive insurance costs on average $190, collision insurance costs $300, and liability insurance costs around $540. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs $2,616 or more. Teen drivers pay the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,210

Price estimates by individual coverage:

Comprehensive $190
Collision $300
Liability $540

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Sierra 2500HD trim levels.

Price Range from Low to High

For a driver in their 40's, GMC Sierra 2500HD insurance prices range from the cheapest price of $592 for just the minimum liability insurance to a much higher rate of $2,616 for a driver who has had serious violations or accidents.

Liability Only $592
Full Coverage $1,210
High Risk $2,616

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than larger metro areas. The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $908
Small Cities $1,271
Large Cities $1,634

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on 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 shows average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $724
  • Using higher $1,000 deductibles will save around $112 a year
  • The average price for the average middle-age driver with $500 deductibles is $1,210
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $214 a year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,616
  • The price to insure a teen driver with full coverage may cost $4,856 or more

View Chart as Image

GMC Sierra 2500HD insurance cost comparison chart
Column chart showing GMC Sierra 2500HD insurance prices range from $724 to $4,856 for full coverage

Car insurance prices for a GMC Sierra 2500HD are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Sierra 2500HD.

Choosing high deductibles could cut prices by as much as $330 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,100 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 129% more than average. View High Risk Driver Rates

The state you live in has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Idaho, Maine, and Iowa, or as much as $1,730 on average in Michigan, Louisiana, and New York.

GMC Sierra 2500HD Insurance Rates by State
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%

View Chart as Image

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

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 $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 Shop for Cheap GMC Sierra 2500HD Insurance

Getting lower rates on GMC Sierra 2500HD insurance requires being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the ideas that were covered in the charts and tables above.

  • Teen drivers are expensive to insure, with premiums as much as $405 a month if the policy includes full coverage
  • High-risk drivers that tend to have accidents or serious violations pay an average of $1,410 more each year to insure their Sierra 2500HD
  • Increasing physical damage deductibles could save as much as $325 each year
  • Drivers can save as much as $140 per year just by shopping early and online

Rates by Driver Age

GMC Sierra 2500HD Insurance 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

GMC Sierra 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,424
$250 $1,326
$500 $1,210
$1,000 $1,098

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 2500HD Insurance Rates with Different Liability Limits
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

GMC Sierra 2500HD Insurance 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.

SR-22 Surcharge $166

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
Rate after discounts $724

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

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