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. Comprehensive insurance costs on average $190, collision insurance costs $300, and liability costs around $540. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs $2,616 or more. 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:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Sierra 2500HD trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a GMC Sierra 2500HD range from as low as $592 for liability-only coverage to a much higher rate of $2,616 for high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, 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 Charts and Tables
The chart below shows average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $724
- Using higher $1,000 deductibles will save around $112 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,210
- Buying more expensive low deductibles for physical damage coverage will cost an extra $214 every year
- Drivers with multiple tickets or accidents could pay upwards of $2,616
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,856 or more
Insurance prices for a GMC Sierra 2500HD also have a wide range based on your driving characteristics, the trim level of your Sierra 2500HD, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
Where you choose to live has a huge impact on GMC Sierra 2500HD insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Idaho, Maine, and Iowa, or at least $1,730 on average in Michigan, Louisiana, and New York.
| 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 could cut prices by as much as $330 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,100 additional annually, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than the average rate. View High Risk Driver Rates
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 More Affordable GMC Sierra 2500HD Insurance
Finding better rates on car insurance requires having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The next list is a summary of the material that was illustrated above.
- Policyholders who require increased levels of liability coverage will pay around $590 each year to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger pay higher prices, as much as $405 per month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations will pay on average $1,410 more each year to buy GMC Sierra 2500HD insurance
- Increasing policy deductibles can save around $325 each year
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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