GMC Sierra 2500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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 prices for a GMC Sierra 2500HD are $1,164 every 12 months for full coverage. Comprehensive insurance costs approximately $176, collision insurance costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,520 or more. Teen drivers receive the highest rates at up to $4,712 a year.
Average premium for full coverage: $1,164
Rate estimates by individual coverage type:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Sierra 2500HD models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $588 for just liability insurance to the much higher price of $2,520 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.
These examples show why everyone should compare prices using their specific location and their own driving history, instead of using 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.
More Rate Details
The chart below shows average GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $700
- Using higher $1,000 deductibles will save $102 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,164
- Choosing pricier low deductibles for physical damage coverage costs an extra $198 every year
- Drivers with multiple violations and an at-fault accident could pay around $2,520
- The cost to insure a teen driver for full coverage can cost $4,712 or more
Auto insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Sierra 2500HD.
Choosing high deductibles could cut rates by as much as $300 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates
Where you live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see 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.
| 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% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,146 | $96 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,050 | $88 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,164 | $97 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $1,164 | $97 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,070 | $89 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,070 | $89 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,186 | $99 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLT Crew Cab 2WD | $1,206 | $101 |
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.
| 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 Shop for the Right GMC Sierra 2500HD Insurance
Saving money on car insurance requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a quick rundown of the concepts that were illustrated above.
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,360 more per year for Sierra 2500HD insurance
- Teens have the highest car insurance rates, costing as high as $393 per month if comprehensive and collision insurance is included
- Drivers can save around $130 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $300 each year
- Drivers can save around $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,272 |
| $500 | $1,164 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
