GMC Sierra 2500HD Insurance Rates
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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
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Average insurance rates for a GMC Sierra 2500HD are $1,210 a year including full coverage. Comprehensive insurance costs an estimated $190 a year, collision costs $300, and liability is $540. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing $2,616 or more. Teen drivers receive the highest rates at $4,856 a year or more.
Average premium for full coverage: $1,210
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sierra 2500HD trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $592 for liability-only coverage to a high of $2,616 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area, 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.
Additional Charts and Tables
The chart below breaks down estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $724
- Raising to $1,000 deductibles will save approximately $1,098 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,210
- Choosing low $100 deductibles will cost an additional $214 every year
- At-risk drivers with multiple violations and an at-fault accident could pay up to $2,616 or more
- The cost that insures a teen driver can cost as much as $4,856
Auto insurance rates for a GMC Sierra 2500HD can also vary considerably based on the trim level of your Sierra 2500HD, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,400 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 129% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
Where you live also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,730 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $330 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,188 | $99 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,210 | $101 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $1,210 | $101 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,112 | $93 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,112 | $93 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,232 | $103 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,134 | $95 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,134 | $95 |
| GMC Sierra 2500HD SLT Crew Cab 2WD | $1,254 | $105 |
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 | $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 Cheaper GMC Sierra 2500HD Insurance
Saving money on car insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below is a condensed summary of the data that was covered above.
- You may be able to save approximately $140 per year simply by quoting early and online
- Policyholders who want higher levels of liability will pay about $590 per year to raise from a minimum limit to the 250/500 level
- Teenage drivers are the costliest to insure, as much as $405 per month if the policy includes full coverage
- Higher risk drivers with multiple at-fault accidents could be charged and average of $1,410 more annually for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,424 |
| $250 | $1,326 |
| $500 | $1,210 |
| $1,000 | $1,098 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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