GMC Sierra 2500HD Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 7, 2024
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U.S. average insurance rates for a GMC Sierra 2500HD are $1,210 a year with full coverage. Comprehensive costs an estimated $190 each year, collision insurance costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs around $2,616. Teenage drivers pay the highest rates at up to $4,856 a year.
Average premium for full coverage: $1,210
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Sierra 2500HD models.
Price Range from Low to High
For a driver around age 40, GMC Sierra 2500HD insurance prices range from the low end price of $592 for the bare minimum liability coverage to a high rate of $2,616 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.
The ranges above demonstrate why all drivers should get quotes for a targeted area, instead of making a decision based on average rates.
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 Information
The chart below details average GMC Sierra 2500HD insurance rates for other coverage scenarios.
- The best discount rate is $724
- Choosing higher $1,000 deductibles can save approximately $112 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,210
- Using low deductibles for comp and collision coverage bumps up the cost to $1,424
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,616
- The price that insures a 16-year-old driver can cost as much as $4,856 each year
Auto insurance prices for a GMC Sierra 2500HD are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,400 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for GMC Sierra 2500HD insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,630 on average in New York, Michigan, 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% |
Using high physical damage deductibles can save as much as $330 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $486 extra every year. View Rates by Deductible or Liability Limit
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 |
| 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 the Best GMC Sierra 2500HD Insurance
Getting lower rates on insurance for a GMC Sierra 2500HD takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The items below are a brief recap of the primary concepts that were covered above.
- You may be able to save approximately $140 per year just by quoting online in advance
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,410 more annually to insure their Sierra 2500HD
- Increasing physical damage deductibles can save approximately $325 each year
- Teen drivers are the costliest to insure, costing up to $405 a month if the policy includes full coverage
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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