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 insurance. Comprehensive costs an estimated $176, collision insurance costs $274, and liability costs around $534. A policy with just liability insurance costs as low as $588 a year, and coverage for high-risk drivers costs around $2,520. Teenage 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

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Sierra 2500HD models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $588 for your basic liability-only policy to the much higher price of $2,520 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

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

These examples illustrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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 Information

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

  • The best discount rate is $700
  • Using higher $1,000 deductibles will save approximately $102 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,164
  • Using pricier low deductibles for physical damage coverage will increase the cost to $1,362
  • High-risk insureds who are prone to accidents and violations could pay up to $2,520
  • The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $4,712 or more

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

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,570 on average in Florida, New York, 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

Using high physical damage deductibles could cut rates by as much as $300 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $2,000 additional per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be from 42% to 133% more than a normal 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 Cheaper GMC Sierra 2500HD Insurance

Saving money on insurance for a GMC Sierra 2500HD requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a condensed summary of the data that was covered in the charts and tables above.

  • It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
  • Insureds who want additional liability coverage will pay an extra $590 annually to increase from a minimum limit to 250/500 limits
  • 16 to 18-year-old drivers are expensive to insure, costing up to $393 per month including comprehensive and collision insurance
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,360 more annually than a driver with a clean driving record

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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