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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Estimated insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs around $176 a year, collision costs $274, and liability insurance is $534. A policy with only liability insurance costs around $588 a year, with a high-risk policy costing around $2,520. Teen drivers pay the most at $4,712 a year or more.
Average premium for full coverage: $1,164
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Sierra 2500HD trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a GMC Sierra 2500HD go from as low as $588 for just liability insurance to a high of $2,520 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences show why it is important to compare rates quotes for a specific zip code and risk profile, 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.
More Rate Details
The chart below shows estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $700
- Raising to $1,000 deductibles will save about $1,062 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,164
- Choosing low $100 deductibles will increase the cost to $1,362
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,520 or more
- An auto insurance policy for full coverage for a teen driver can be $4,712
Car insurance prices for a GMC Sierra 2500HD also have a wide range based on your driving characteristics, the trim level of your Sierra 2500HD, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,700 a year. View Rates by Age
Where you choose to live also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,660 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles can reduce prices by up to $300 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
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 Find Affordable GMC Sierra 2500HD Insurance
Finding better rates on GMC Sierra 2500HD insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a brief review of the concepts that were touched on in this article.
- High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,360 more every year to insure a GMC Sierra 2500HD
- Drivers under the age of 20 are the costliest to insure, as much as $393 per month if full coverage is included
- Drivers can save up to $130 per year simply by quoting early and online
- Increasing policy deductibles can save around $300 each year
- Drivers can save up to $130 per year simply by quoting early and online
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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