GMC Sierra 2500HD Insurance Rates

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UPDATED: May 7, 2024

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Average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs on average $176 a year, collision insurance costs $274, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage costs around $2,520. Teens receive the highest rates at up to $4,712 a year.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Comprehensive $176
Collision $274
Liability $534

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $588 for basic liability insurance to a high of $2,520 for a driver who requires high-risk insurance.

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

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.

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

These examples show why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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 shows average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $700
  • Choosing higher $1,000 deductibles can save around $1,062 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,164
  • Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,362
  • Higher-risk drivers with serious driving violations could pay upwards of $2,520
  • The cost for full coverage for a 16-year-old driver may cost $4,712 each year

View Chart as Image

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

Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on your driver profile, the trim level of your Sierra 2500HD, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 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 $1,054 -$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

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

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

Saving money on insurance for a GMC Sierra 2500HD takes not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following is a recap of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents will pay on average $1,360 more each year for Sierra 2500HD insurance
  • Teens are expensive to insure, costing as high as $393 per month if full coverage is included
  • Drivers can save as much as $130 per year just by quoting early and online
  • Increasing deductibles can save around $300 each year
  • Drivers can save as much as $130 per year just by quoting early and online

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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