GMC Sierra 2500HD Insurance Rates
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UPDATED: May 7, 2024
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The average insurance prices for a GMC Sierra 2500HD are $1,238 every 12 months including full coverage. Comprehensive costs an estimated $194, collision insurance costs $330, and liability is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs around $2,688. Teens cost the most to insure at up to $4,960 a year.
Average premium for full coverage: $1,238
Policy rates broken down by type of insurance:
Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Sierra 2500HD models.
Price Range Variability
For the average driver, GMC Sierra 2500HD insurance rates range from the cheapest price of $588 for basic liability insurance to the much higher price of $2,688 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.
The examples above highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down average GMC Sierra 2500HD insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $736
- Raising to $1,000 deductibles will save approximately $118 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,238
- Selecting pricier low deductibles increases the price to $1,472
- Drivers with serious driving violations could pay up to $2,688
- Policy cost to insure a 16-year-old driver for full coverage can cost as much as $4,960
Insurance rates for a GMC Sierra 2500HD also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra every year, depending on your age. GMC Sierra 2500HD insurance for high-risk drivers is expensive and can cost from 42% to 134% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on GMC Sierra 2500HD insurance prices. A middle-age driver might find rates as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,770 on average in Louisiana, New York, 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% |
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 More Affordable GMC Sierra 2500HD Insurance
Finding cheaper rates on insurance for a GMC Sierra 2500HD consists of having a good driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a summary of the ideas that were touched on above.
- Drivers age 20 and younger are charged the highest rates, with premiums being up to $413 each month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,450 more annually to buy GMC Sierra 2500HD insurance
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
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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