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 $1,210 a year for full coverage insurance. Comprehensive insurance costs on average $190 each year, collision insurance costs $300, and liability is estimated at $540. A liability-only policy costs approximately $592 a year, and high-risk insurance costs $2,616 or more. 16-year-old drivers receive the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,210

Rate estimates by individual coverage type:

Comprehensive $190
Collision $300
Liability $540

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Sierra 2500HD models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the low end price of $592 for a discount liability-only rate to a high rate of $2,616 for a driver who requires high-risk insurance.

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

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

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

These examples illustrate why all drivers should get quotes based on a 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.

Rates by State, City, and Model

The chart below illustrates average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $724
  • Choosing higher $1,000 deductibles can save around $112 each year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,210
  • Buying low deductibles for comp and collision coverage will cost an additional $214 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,616
  • The cost that insures a teen driver may cost $4,856 each year

View Chart as Image

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

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,400 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or 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

Opting for high physical damage deductibles can save as much as $330 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 more per year. View Rates by Deductible or Liability Limit

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 the Cheapest GMC Sierra 2500HD Insurance

Saving money on car insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the concepts that were touched on in the above illustrations.

  • Higher risk drivers that have major violations or accidents may pay on average $1,410 more each year to insure their Sierra 2500HD
  • Teen drivers pay the highest rates, costing up to $405 per month if full coverage is included
  • It is possible to save as much as $140 per year just by quoting online in advance
  • Increasing deductibles can save approximately $325 each year
  • It is possible to save as much as $140 per year just by quoting online in advance

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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