GMC Sierra 2500HD Insurance Rates

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UPDATED: May 7, 2024

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Estimated insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months with full coverage. Comprehensive insurance costs around $190, collision costs $300, and liability costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $2,616 or more. Teens pay the most at $4,856 a year or more.

Average premium for full coverage: $1,210

Premium estimates for type of coverage:

Comprehensive $190
Collision $300
Liability $540

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a GMC Sierra 2500HD go from the cheapest price of $592 for the bare minimum liability coverage to a much higher rate of $2,616 for a high-risk insurance policy.

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

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

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

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using 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.

Additional Rate Information

The chart below details estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $724
  • Using higher $1,000 deductibles will save about $112 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,210
  • Selecting more expensive low deductibles for physical damage coverage costs an extra $214 every year
  • Drivers with serious driving violations could pay at least $2,616 or more
  • An auto insurance policy to insure a teen driver with full coverage can be $4,856 or more

View Chart as Image

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

Insurance prices for a GMC Sierra 2500HD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $330 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,100 additional annually, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,630 on average in Florida, Michigan, 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

With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially different.

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 the Best Cheap GMC Sierra 2500HD Insurance

Finding better rates on car insurance requires being a low-risk driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates at least every other year by getting quotes from direct companies, and also from several local insurance agents.

The items below are a quick review of the car insurance concepts presented in the illustrations above.

  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,410 more every year to insure their Sierra 2500HD
  • You may be able to save up to $140 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $325 each year
  • Policyholders who may need more liability coverage will pay approximately $590 every year to increase from 30/60 bodily injury limits to a 250/500 level

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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