GMC Sierra 2500HD Insurance Rates

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Lower Your 2011 GMC Sierra 2500HD Insurance Cost in 2025

Being forced to pay for overpriced car insurance premiums can drain your bank account and force you to cut corners elsewhere. Comparison shopping is free and is an excellent way to cut your insurance bill. Many insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate It's a good idea to take a look at other company's rates on...

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UPDATED: May 7, 2024

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Average auto insurance rates for a GMC Sierra 2500HD are $1,210 annually for full coverage insurance. Comprehensive costs around $190 each year, collision costs $300, and liability coverage is estimated at $540. A policy with just liability insurance costs approximately $592 a year, with coverage for high-risk drivers costing around $2,616. Teen drivers receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,210

Rate estimates for individual coverage type:

Comprehensive $190
Collision $300
Liability $540

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist 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 go from as cheap as $592 for just the minimum liability insurance to a high rate of $2,616 for a high-risk insurance policy.

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

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

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

These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than 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.

Additional Rate Analysis

The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $724
  • Choosing higher $1,000 deductibles can save about $112 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,210
  • Choosing low deductibles for comp and collision coverage will cost $1,424
  • Drivers with multiple violations and an at-fault accident could pay at least $2,616 or more
  • The cost with full coverage for a teenage driver can be $4,856 each year

View Chart as Image

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

Insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level of your Sierra 2500HD, your risk profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $330 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $486 more each year. View Rates by Deductible or Liability Limit

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

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.

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 Buy Cheap GMC Sierra 2500HD Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief summary of the car insurance concepts touched on in the above illustrations.

  • Drivers that tend to have accidents or serious violations pay on average $1,410 more every year than a low-risk driver
  • It is possible to save up to $140 per year simply by quoting online in advance
  • Increasing deductibles could save up to $325 each year
  • Consumers who may need more liability protection will pay about $590 annually to raise limits from a minimum limit to higher 250/500 limits

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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