GMC Sierra 2500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 7, 2024
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Average insurance prices for a GMC Sierra 2500HD are $1,164 every 12 months including full coverage. Comprehensive costs around $176 a year, collision costs $274, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,520. 16-year-old drivers receive the highest rates at $4,712 a year or more.
Average premium for full coverage: $1,164
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $588 for a discount liability-only rate to a high of $2,520 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how location helps determine auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below breaks down estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $700
- Drivers who choose higher $1,000 deductibles will pay about $1,062 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,164
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,362
- High-risk insureds with multiple tickets or accidents could pay at least $2,520 or more
- The cost to insure a teenage driver can be $4,712 a year
Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $300 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,146 | $96 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,050 | $88 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,164 | $97 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $1,164 | $97 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,070 | $89 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,070 | $89 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,186 | $99 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLT Crew Cab 2WD | $1,206 | $101 |
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 | $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 Shop for the Right GMC Sierra 2500HD Insurance
Saving money on auto insurance not only requires being a good driver, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following list is a quick rundown of the data covered in the charts and tables above.
- Consumers who may need an increased level of liability coverage will pay around $590 per year to go from a minimum limit to a 250/500 level
- You may be able to save up to $130 per year simply by quoting early and online
- Increasing deductibles could save as much as $300 each year
- Drivers age 16 to 20 are the costliest to insure, as much as $393 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,272 |
| $500 | $1,164 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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