GMC Sierra 2500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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.
U.S. average insurance rates for a GMC Sierra 2500HD are $1,238 a year with full coverage. Comprehensive insurance costs approximately $194, collision costs $330, and liability coverage is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,688 or more. Teen drivers pay the highest rates at $4,960 a year or more.
Average premium for full coverage: $1,238
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Sierra 2500HD trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, GMC Sierra 2500HD insurance prices go from the low end price of $588 for just the minimum liability insurance to a much higher rate of $2,688 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than using price 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 details estimated GMC Sierra 2500HD insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $736
- Raising to $1,000 deductibles will save $118 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,238
- Choosing more expensive low deductibles will cost an additional $234 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,688 or more
- The price that insures a teenage driver with full coverage can cost $4,960
Car insurance prices for a GMC Sierra 2500HD are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 134% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age
The state you live in also has a big influence on GMC Sierra 2500HD insurance rates. A middle-age driver might find prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,670 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can reduce prices by up to $360 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite 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 Find Affordable GMC Sierra 2500HD Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around every other policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.
The items below are a brief review of the ideas that were touched on in the above illustrations.
- Teen drivers pay the highest auto insurance prices, costing up to $413 a month if full coverage is purchased
- Drivers with DUI or reckless driving convictions may have to pay on average $1,450 more per year to insure their Sierra 2500HD
- Increasing physical damage deductibles can save approximately $350 each year
- You may be able to save around $140 per year simply by shopping early and online
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
