GMC Sierra 2500HD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 7, 2024

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The average insurance rates for a GMC Sierra 2500HD are $1,238 a year with full coverage. Comprehensive insurance costs around $194, collision costs $330, and liability coverage costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,688 or more. Teens cost the most to insure at $4,960 a year or more.

Average premium for full coverage: $1,238

Policy rates for type of insurance:

Comprehensive $194
Collision $330
Liability $534

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Sierra 2500HD models.

Price Range Variability

For the average driver, GMC Sierra 2500HD insurance rates go from the low end price of $588 for basic liability insurance to the much higher price of $2,688 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $1,238
High Risk $2,688

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

The examples above demonstrate why everyone should compare rates for a specific zip code, rather than using averaged prices.

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.

Rate Comparisons

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

  • The cheapest rate after discounts is $736
  • Drivers who choose higher $1,000 deductibles will pay about $118 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,238
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $234 each year
  • High-risk insureds with serious driving violations could pay at least $2,688 or more
  • Policy cost that insures a teenage driver for full coverage can be $4,960 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 $736 to $4,960

Auto insurance rates for a GMC Sierra 2500HD also range considerably based on the model of your Sierra 2500HD, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers can cost around 42% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 2500HD insurance rates. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,670 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 $1,120 -$118 -9.5%
Alaska $952 -$286 -23.1%
Arizona $1,030 -$208 -16.8%
Arkansas $1,238 -$0 0.0%
California $1,412 $174 14.1%
Colorado $1,182 -$56 -4.5%
Connecticut $1,274 $36 2.9%
Delaware $1,402 $164 13.2%
Florida $1,552 $314 25.4%
Georgia $1,146 -$92 -7.4%
Hawaii $890 -$348 -28.1%
Idaho $840 -$398 -32.1%
Illinois $922 -$316 -25.5%
Indiana $936 -$302 -24.4%
Iowa $838 -$400 -32.3%
Kansas $1,178 -$60 -4.8%
Kentucky $1,692 $454 36.7%
Louisiana $1,836 $598 48.3%
Maine $766 -$472 -38.1%
Maryland $1,022 -$216 -17.4%
Massachusetts $990 -$248 -20.0%
Michigan $2,150 $912 73.7%
Minnesota $1,038 -$200 -16.2%
Mississippi $1,486 $248 20.0%
Missouri $1,100 -$138 -11.1%
Montana $1,332 $94 7.6%
Nebraska $978 -$260 -21.0%
Nevada $1,488 $250 20.2%
New Hampshire $894 -$344 -27.8%
New Jersey $1,388 $150 12.1%
New Mexico $1,096 -$142 -11.5%
New York $1,306 $68 5.5%
North Carolina $714 -$524 -42.3%
North Dakota $1,016 -$222 -17.9%
Ohio $854 -$384 -31.0%
Oklahoma $1,272 $34 2.7%
Oregon $1,136 -$102 -8.2%
Pennsylvania $1,182 -$56 -4.5%
Rhode Island $1,652 $414 33.4%
South Carolina $1,124 -$114 -9.2%
South Dakota $1,048 -$190 -15.3%
Tennessee $1,084 -$154 -12.4%
Texas $1,492 $254 20.5%
Utah $916 -$322 -26.0%
Vermont $850 -$388 -31.3%
Virginia $740 -$498 -40.2%
Washington $956 -$282 -22.8%
West Virginia $1,136 -$102 -8.2%
Wisconsin $856 -$382 -30.9%
Wyoming $1,104 -$134 -10.8%

View Chart as Image

GMC Sierra 2500HD insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

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 $336 $656 $420 $1,592
2023 GMC Sierra 2500HD $320 $630 $440 $1,570
2022 GMC Sierra 2500HD $306 $626 $450 $1,562
2021 GMC Sierra 2500HD $296 $610 $470 $1,556
2020 GMC Sierra 2500HD $286 $586 $486 $1,538
2019 GMC Sierra 2500HD $270 $564 $500 $1,514
2018 GMC Sierra 2500HD $260 $524 $510 $1,474
2017 GMC Sierra 2500HD $250 $494 $514 $1,438
2016 GMC Sierra 2500HD $240 $442 $520 $1,382
2015 GMC Sierra 2500HD $224 $408 $520 $1,332
2014 GMC Sierra 2500HD $216 $382 $524 $1,302
2013 GMC Sierra 2500HD $210 $356 $534 $1,280
2012 GMC Sierra 2500HD $194 $330 $534 $1,238
2011 GMC Sierra 2500HD $190 $300 $540 $1,210

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 Cheap GMC Sierra 2500HD Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the ideas that were touched on above.

  • Teenagers are expensive to insure, as much as $413 each month if the policy includes full coverage
  • Drivers that tend to have accidents or serious violations may pay on average $1,450 more every year for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $350 each year
  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

GMC Sierra 2500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,960
20 $2,868
30 $1,268
40 $1,238
50 $1,140
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,472
$250 $1,364
$500 $1,238
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 2500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,393
100/300 $1,526
250/500 $1,873
100 CSL $1,446
300 CSL $1,740
500 CSL $1,954

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 2500HD Insurance Rates for High Risk Drivers
Age Premium
16 $7,016
20 $4,572
30 $2,718
40 $2,688
50 $2,572
60 $2,546

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 $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $68
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $79
Paid in Full/EFT $48
Advance Quote $57
Online Quote $85
Total Discounts $502
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

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