GMC Sierra 2500HD Insurance Rates
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UPDATED: May 7, 2024
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Estimated insurance rates for a GMC Sierra 2500HD are $1,210 a year for full coverage insurance. Comprehensive costs on average $190, collision insurance costs $300, and liability is $540. Liability-only coverage costs around $592 a year, and high-risk coverage costs around $2,616. 16-year-old drivers pay the most at up to $4,856 a year.
Average premium for full coverage: $1,210
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Sierra 2500HD models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a GMC Sierra 2500HD range from the low end price of $592 for a discount liability-only rate to the much higher price of $2,616 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities. The example below illustrates how location impacts car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location, 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.
Rates by State, City, and Model
The chart below illustrates average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $724
- Raising to $1,000 deductibles will save around $112 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,210
- Buying pricier low deductibles bumps up the cost to $1,424
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,616
- An auto insurance policy that insures a teen driver for full coverage may cost $4,856
Insurance prices for a GMC Sierra 2500HD also have a wide range based on the model of your Sierra 2500HD, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,100 extra annually, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age
Where you choose to live also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $330 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $486 more per year. View Rates by Deductible or Liability Limit
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 2011 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 | $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 the Cheapest GMC Sierra 2500HD Insurance
Finding better rates on car insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Comparison shop once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a recap of the data that was touched on above.
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
- Policyholders who require higher liability limits will pay around $590 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Teenagers pay the highest prices, with premiums being up to $405 per month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,410 more each year for car 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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