GMC Sierra 2500HD Insurance Rates
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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
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U.S. average insurance rates for a GMC Sierra 2500HD are $1,164 a year with full coverage. Comprehensive costs on average $176 each year, collision insurance costs $274, and liability insurance costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,520. Teen drivers pay the highest rates at up to $4,712 a year.
Average premium for full coverage: $1,164
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Sierra 2500HD models.
Price Range from Low to High
For an average driver, GMC Sierra 2500HD insurance prices range from as low as $588 for your basic liability-only policy to a high rate of $2,520 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on 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.
More Rate Information
The chart below details average GMC Sierra 2500HD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $700
- Using higher $1,000 deductibles will save around $102 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,164
- Choosing low deductibles for physical damage coverage will increase the cost to $1,362
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,520
- The price for full coverage for a teen driver may cost $4,712 or more
Insurance prices for a GMC Sierra 2500HD are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age
The state you live in has a huge impact on GMC Sierra 2500HD insurance rates. A driver around age 40 might see prices as low as $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,570 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$110 | -9.5% |
| Alaska | $894 | -$270 | -23.2% |
| Arizona | $968 | -$196 | -16.8% |
| Arkansas | $1,164 | -$0 | 0.0% |
| California | $1,330 | $166 | 14.3% |
| Colorado | $1,110 | -$54 | -4.6% |
| Connecticut | $1,198 | $34 | 2.9% |
| Delaware | $1,318 | $154 | 13.2% |
| Florida | $1,458 | $294 | 25.3% |
| Georgia | $1,078 | -$86 | -7.4% |
| Hawaii | $836 | -$328 | -28.2% |
| Idaho | $790 | -$374 | -32.1% |
| Illinois | $866 | -$298 | -25.6% |
| Indiana | $882 | -$282 | -24.2% |
| Iowa | $788 | -$376 | -32.3% |
| Kansas | $1,106 | -$58 | -5.0% |
| Kentucky | $1,590 | $426 | 36.6% |
| Louisiana | $1,726 | $562 | 48.3% |
| Maine | $722 | -$442 | -38.0% |
| Maryland | $962 | -$202 | -17.4% |
| Massachusetts | $932 | -$232 | -19.9% |
| Michigan | $2,022 | $858 | 73.7% |
| Minnesota | $976 | -$188 | -16.2% |
| Mississippi | $1,398 | $234 | 20.1% |
| Missouri | $1,032 | -$132 | -11.3% |
| Montana | $1,252 | $88 | 7.6% |
| Nebraska | $920 | -$244 | -21.0% |
| Nevada | $1,400 | $236 | 20.3% |
| New Hampshire | $842 | -$322 | -27.7% |
| New Jersey | $1,304 | $140 | 12.0% |
| New Mexico | $1,032 | -$132 | -11.3% |
| New York | $1,228 | $64 | 5.5% |
| North Carolina | $672 | -$492 | -42.3% |
| North Dakota | $954 | -$210 | -18.0% |
| Ohio | $804 | -$360 | -30.9% |
| Oklahoma | $1,196 | $32 | 2.7% |
| Oregon | $1,068 | -$96 | -8.2% |
| Pennsylvania | $1,110 | -$54 | -4.6% |
| Rhode Island | $1,554 | $390 | 33.5% |
| South Carolina | $1,056 | -$108 | -9.3% |
| South Dakota | $986 | -$178 | -15.3% |
| Tennessee | $1,018 | -$146 | -12.5% |
| Texas | $1,402 | $238 | 20.4% |
| Utah | $862 | -$302 | -25.9% |
| Vermont | $798 | -$366 | -31.4% |
| Virginia | $696 | -$468 | -40.2% |
| Washington | $898 | -$266 | -22.9% |
| West Virginia | $1,068 | -$96 | -8.2% |
| Wisconsin | $806 | -$358 | -30.8% |
| Wyoming | $1,038 | -$126 | -10.8% |
Choosing high deductibles could cut prices by as much as $300 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than average. 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 | $1,146 | $96 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,050 | $88 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,164 | $97 |
| GMC Sierra 2500HD SLE Extended Cab 2WD | $1,164 | $97 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,070 | $89 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,070 | $89 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,186 | $99 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,090 | $91 |
| GMC Sierra 2500HD SLT Crew Cab 2WD | $1,206 | $101 |
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 | $306 | $626 | $450 | $1,562 |
| 2023 GMC Sierra 2500HD | $296 | $610 | $470 | $1,556 |
| 2022 GMC Sierra 2500HD | $286 | $586 | $486 | $1,538 |
| 2021 GMC Sierra 2500HD | $270 | $564 | $500 | $1,514 |
| 2020 GMC Sierra 2500HD | $260 | $524 | $510 | $1,474 |
| 2019 GMC Sierra 2500HD | $250 | $494 | $514 | $1,438 |
| 2018 GMC Sierra 2500HD | $240 | $442 | $520 | $1,382 |
| 2017 GMC Sierra 2500HD | $224 | $408 | $520 | $1,332 |
| 2016 GMC Sierra 2500HD | $216 | $382 | $524 | $1,302 |
| 2015 GMC Sierra 2500HD | $210 | $356 | $534 | $1,280 |
| 2014 GMC Sierra 2500HD | $194 | $330 | $534 | $1,238 |
| 2012 GMC Sierra 2500HD | $176 | $274 | $534 | $1,164 |
| 2011 GMC Sierra 2500HD | $166 | $250 | $534 | $1,130 |
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 GMC Sierra 2500HD insurance requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every year by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The following list is a brief review of the coverage data covered in the above illustrations.
- You may be able to save as much as $130 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $300 each year
- Drivers age 16 to 20 pay higher prices, costing up to $393 a month including comprehensive and collision insurance
- High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,360 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,712 |
| 20 | $2,686 |
| 30 | $1,186 |
| 40 | $1,164 |
| 50 | $1,072 |
| 60 | $1,050 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,272 |
| $500 | $1,164 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,164 |
| 50/100 | $1,313 |
| 100/300 | $1,446 |
| 250/500 | $1,793 |
| 100 CSL | $1,366 |
| 300 CSL | $1,660 |
| 500 CSL | $1,874 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,652 |
| 20 | $4,284 |
| 30 | $2,542 |
| 40 | $2,520 |
| 50 | $2,414 |
| 60 | $2,388 |
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 | $59 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $43 |
| Advance Quote | $52 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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