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 with full coverage. Comprehensive insurance costs around $190 a year, collision insurance costs $300, and liability costs $540. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers 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 for individual coverage type:

Comprehensive $190
Collision $300
Liability $540

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Sierra 2500HD trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $592 for just the minimum liability insurance to a high of $2,616 for a policy for a high-risk driver.

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

Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

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

These examples demonstrate why it is important to compare rates for a specific zip code and risk profile, 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.

Additional Rate Analysis

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

  • The best full coverage rate is $724
  • Drivers who choose higher $1,000 deductibles will pay about $1,098 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,210
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $214 every year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,616
  • The cost for full coverage for a teen driver can be $4,856 a 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

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

Older drivers with a good driving record and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age

Where you live makes a big difference in GMC Sierra 2500HD insurance prices. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,630 on average in Florida, Michigan, and New York.

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 could save up to $330 every year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,400 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than the average rate. 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 $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 More Affordable GMC Sierra 2500HD Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every year by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a summary of the coverage data illustrated above.

  • You may be able to save up to $140 per year just by quoting early and online
  • Increasing deductibles can save around $325 each year
  • Drivers under the age of 20 are expensive to insure, with premiums as much as $405 per month if they have full coverage
  • Higher risk drivers who have multiple accidents or major violations pay an average of $1,410 more every year to insure a GMC Sierra 2500HD

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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