GMC Sierra 2500HD Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: May 7, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage. Comprehensive costs an estimated $176, collision insurance costs $274, and liability is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs around $2,520. Teen drivers receive the highest rates at up to $4,712 a year.

Average premium for full coverage: $1,164

Rate estimates broken down by individual coverage type:

Comprehensive $176
Collision $274
Liability $534

Rate estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Sierra 2500HD trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $588 for the bare minimum liability coverage to a much higher rate of $2,520 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how location impacts insurance prices.

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

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based 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.

By clicking, you agree to our Terms of Use

Additional Rate Information

The chart below shows average GMC Sierra 2500HD insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $700
  • Raising to $1,000 deductibles will save approximately $102 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,164
  • Choosing more expensive low deductibles will increase the cost to $1,362
  • Drivers with multiple violations and an at-fault accident could pay up to $2,520
  • The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,712

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

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

An older driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age

Where you live also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,660 on average in New York, Louisiana, and Michigan.

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 high deductibles can reduce rates by up to $300 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 133% more than average. 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 Best GMC Sierra 2500HD Insurance

Saving money on insurance for a GMC Sierra 2500HD consists of not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Spend time shopping around every couple of years by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a brief recap of the material that was touched on above.

  • Insureds who want higher liability limits will pay about $590 each year to raise from a minimum limit to 250/500 limits
  • Teens are the costliest to insure, costing as high as $393 per month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,360 more annually for Sierra 2500HD insurance
  • Increasing deductibles can save around $300 each year

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles