GMC Sierra 2500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a GMC Sierra 2500HD are $1,210 every 12 months for full coverage insurance. Comprehensive costs around $190, collision costs $300, and liability coverage is $540. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing around $2,616. Teens receive the highest rates at $4,856 a year or more.
Average premium for full coverage: $1,210
Rate estimates for individual coverage type:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Sierra 2500HD models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $592 for just the minimum liability insurance to the much higher price of $2,616 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, 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.
Additional Rate Analysis
The chart below illustrates estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $724
- Raising to $1,000 deductibles will save about $112 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,210
- Selecting pricier low deductibles increases the price to $1,424
- Unlucky drivers with serious driving violations could pay at least $2,616 or more
- The cost to insure a teenage driver for full coverage can be $4,856
Auto insurance rates for a GMC Sierra 2500HD can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,400 to $2,100 in extra premium per year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay 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% |
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, 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 Shop for the Best Cheap GMC Sierra 2500HD Insurance
Saving money on auto insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick review of the concepts that were covered above.
- Drivers with a DUI or reckless driving violation may pay on average $1,410 more every year to insure their Sierra 2500HD
- Teen drivers are expensive to insure, costing up to $405 per month if comprehensive and collision insurance is included
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $325 each year
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
