GMC Sierra 2500HD Insurance Rates

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Lower Your 2011 GMC Sierra 2500HD Insurance Cost in 2025

Being forced to pay for overpriced car insurance premiums can drain your bank account and force you to cut corners elsewhere. Comparison shopping is free and is an excellent way to cut your insurance bill. Many insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate It's a good idea to take a look at other company's rates on...

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UPDATED: May 7, 2024

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Average insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage insurance. Comprehensive costs around $190, collision costs $300, and liability insurance costs $540. A liability-only policy costs as little as $592 a year, with high-risk insurance costing around $2,616. Teens receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Rate estimates for individual coverage type:

Comprehensive $190
Collision $300
Liability $540

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $592 for just the minimum liability insurance to the much higher price of $2,616 for coverage for higher-risk drivers.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

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

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

These examples illustrate why everyone should compare rates for a specific zip code and risk profile, rather than relying 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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $724
  • Drivers who choose higher $1,000 deductibles will pay about $112 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,210
  • Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,424
  • High risk drivers with serious driving violations could pay at least $2,616 or more
  • The cost for full coverage for a teen driver for full coverage can be $4,856 a year

View Chart as Image

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

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

Where you live makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,630 on average in Michigan, New York, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $330 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $486 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,400 to $2,100 extra per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different from one company to the next.

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 Find Low Cost GMC Sierra 2500HD Insurance

Saving money on GMC Sierra 2500HD insurance not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a review of the primary concepts that were presented in the illustrations above.

  • It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers who have several accidents or serious violations may pay on average $1,410 more every year than a low-risk driver
  • Increasing deductibles can save around $325 each year
  • Youthful drivers pay higher rates, costing up to $405 per month for full coverage

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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