GMC Sierra 2500HD Insurance Rates

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UPDATED: May 7, 2024

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U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year for full coverage insurance. Comprehensive insurance costs approximately $176 each year, collision costs $274, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,520 or more. 16-year-old drivers pay the highest rates at $4,712 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Comprehensive $176
Collision $274
Liability $534

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

Price Range from Low to High

For a driver around age 40, GMC Sierra 2500HD insurance prices go from the low end price of $588 for minimum levels of liability insurance to a high rate of $2,520 for a high-risk insurance policy.

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

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

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

The ranges above illustrate why all drivers should compare rates using their specific location, instead of using rate 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.

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Additional Rate Details

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $700
  • Drivers who choose higher $1,000 deductibles will pay $102 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,164
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $198 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,520 or more
  • The price that insures a teen driver can cost $4,712 a year

View Chart as Image

GMC Sierra 2500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 2500HD insurance prices range from $700 to $4,712

Car insurance prices for a GMC Sierra 2500HD are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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

Opting for high physical damage deductibles could save up to $300 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, so rate quotes may be quite 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 $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 Low Cost GMC Sierra 2500HD Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a positive credit history, not filing small claims, and avoiding coverage lapses. Comparison shop at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a review of the car insurance concepts covered above.

  • Higher risk drivers who have several accidents or serious violations could be charged and average of $1,360 more per year than a low-risk driver
  • It is possible to save around $130 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $300 each year
  • Policyholders who purchase more liability protection will pay around $590 annually to go from a low limit to the 250/500 level

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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