GMC Sierra 2500HD Insurance Rates
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UPDATED: May 7, 2024
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Average insurance prices for a GMC Sierra 2500HD are $1,238 every 12 months for full coverage. Comprehensive costs an estimated $194 a year, collision costs $330, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,688. 16-year-old drivers receive the highest rates at $4,960 a year or more.
Average premium for full coverage: $1,238
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Sierra 2500HD trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $588 for just the minimum liability insurance to a high of $2,688 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 insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.
The diagram below illustrates the effect of geographic area on insurance prices.
These examples show why it is important to compare rates quotes for a targeted area and their own driving history, 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 shows estimated GMC Sierra 2500HD insurance rates for other coverage scenarios.
- The best full coverage rate is $736
- Raising to $1,000 deductibles will save approximately $1,120 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,238
- Buying low $100 deductibles increases the price to $1,472
- At-risk drivers with multiple tickets or accidents could pay up to $2,688 or more
- The cost to insure a teen driver can cost as much as $4,960
Car insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $360 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 134% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,770 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes 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 | $1,216 | $101 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,118 | $93 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,238 | $103 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $1,238 | $103 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,142 | $95 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,142 | $95 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,262 | $105 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,164 | $97 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,164 | $97 |
| GMC Sierra 2500HD SLT Crew Cab 2WD | $1,286 | $107 |
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 | $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 Shop for Affordable GMC Sierra 2500HD Insurance
Saving money on car insurance consists of being a low-risk driver, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to compare rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief review of the data that was covered in the above illustrations.
- Drivers can save approximately $140 per year simply by quoting early and online
- Policyholders who want more liability coverage will pay around $590 each year to raise from a minimum limit to a 250/500 level
- Teen drivers have the highest car insurance rates, costing as high as $413 per month if the policy includes full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,450 more annually to insure their Sierra 2500HD
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,472 |
| $250 | $1,364 |
| $500 | $1,238 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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