1. Vehicles
  2. GMC
  3. Sierra 2500HD

GMC Sierra 2500HD Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 9, 2020

Advertiser Disclosure

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.

Estimated insurance rates for a GMC Sierra 2500HD are $1,570 a year with full coverage. Comprehensive insurance costs around $320, collision costs $630, and liability costs around $440. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $3,410 or more. Teenage drivers pay the most at $5,876 a year or more.

Average premium for full coverage: $1,570

Premium estimates for type of coverage:

Comprehensive $320
Collision $630
Liability $440

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Sierra 2500HD trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a GMC Sierra 2500HD go from the low end price of $510 for your basic liability-only policy to a much higher rate of $3,410 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,570
High Risk $3,410

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

Rural Areas $1,178
Small Cities $1,649
Large Cities $2,120

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, 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.

More Rate Information

The chart below details estimated GMC Sierra 2500HD insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $898
  • Using higher $1,000 deductibles will save about $216 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,570
  • Using more expensive low deductibles for physical damage coverage will cost an additional $422 annually
  • High-risk insureds who are prone to accidents and violations could pay at least $3,410 or more
  • An auto insurance policy that insures a 16-year-old driver with full coverage can be $5,876 or more

View Chart as Image

GMC Sierra 2500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 2500HD insurance prices range from $898 to $5,876

Car insurance prices for a GMC Sierra 2500HD also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance can be from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,800 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 $1,130 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,120 on average in Florida, Michigan, and New York.

GMC Sierra 2500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,418 -$152 -9.7%
Alaska $1,206 -$364 -23.2%
Arizona $1,306 -$264 -16.8%
Arkansas $1,570 -$0 0.0%
California $1,790 $220 14.0%
Colorado $1,498 -$72 -4.6%
Connecticut $1,612 $42 2.7%
Delaware $1,778 $208 13.2%
Florida $1,964 $394 25.1%
Georgia $1,450 -$120 -7.6%
Hawaii $1,126 -$444 -28.3%
Idaho $1,064 -$506 -32.2%
Illinois $1,168 -$402 -25.6%
Indiana $1,186 -$384 -24.5%
Iowa $1,060 -$510 -32.5%
Kansas $1,492 -$78 -5.0%
Kentucky $2,140 $570 36.3%
Louisiana $2,326 $756 48.2%
Maine $972 -$598 -38.1%
Maryland $1,296 -$274 -17.5%
Massachusetts $1,254 -$316 -20.1%
Michigan $2,728 $1,158 73.8%
Minnesota $1,314 -$256 -16.3%
Mississippi $1,882 $312 19.9%
Missouri $1,394 -$176 -11.2%
Montana $1,688 $118 7.5%
Nebraska $1,240 -$330 -21.0%
Nevada $1,884 $314 20.0%
New Hampshire $1,132 -$438 -27.9%
New Jersey $1,756 $186 11.8%
New Mexico $1,390 -$180 -11.5%
New York $1,654 $84 5.4%
North Carolina $906 -$664 -42.3%
North Dakota $1,286 -$284 -18.1%
Ohio $1,084 -$486 -31.0%
Oklahoma $1,612 $42 2.7%
Oregon $1,438 -$132 -8.4%
Pennsylvania $1,496 -$74 -4.7%
Rhode Island $2,096 $526 33.5%
South Carolina $1,424 -$146 -9.3%
South Dakota $1,326 -$244 -15.5%
Tennessee $1,374 -$196 -12.5%
Texas $1,892 $322 20.5%
Utah $1,160 -$410 -26.1%
Vermont $1,076 -$494 -31.5%
Virginia $940 -$630 -40.1%
Washington $1,210 -$360 -22.9%
West Virginia $1,440 -$130 -8.3%
Wisconsin $1,086 -$484 -30.8%
Wyoming $1,398 -$172 -11.0%

View Chart as Image

GMC Sierra 2500HD insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $640 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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.

GMC Sierra 2500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 GMC Sierra 2500HD $320 $630 $440 $1,570
2019 GMC Sierra 2500HD $306 $626 $450 $1,562
2018 GMC Sierra 2500HD $296 $610 $470 $1,556
2017 GMC Sierra 2500HD $286 $586 $486 $1,538
2016 GMC Sierra 2500HD $270 $564 $500 $1,514
2015 GMC Sierra 2500HD $260 $524 $510 $1,474
2014 GMC Sierra 2500HD $250 $494 $514 $1,438
2013 GMC Sierra 2500HD $240 $442 $520 $1,382
2012 GMC Sierra 2500HD $224 $408 $520 $1,332
2011 GMC Sierra 2500HD $216 $382 $524 $1,302
2010 GMC Sierra 2500HD $210 $356 $534 $1,280
2009 GMC Sierra 2500HD $194 $330 $534 $1,238
2008 GMC Sierra 2500HD $190 $300 $540 $1,210
2007 GMC Sierra 2500HD $176 $274 $534 $1,164
2006 GMC Sierra 2500HD $166 $250 $534 $1,130
2005 GMC Sierra 2500HD $162 $224 $530 $1,096
2004 GMC Sierra 2500HD $158 $218 $520 $1,076
2003 GMC Sierra 2500HD $156 $208 $510 $1,054
2002 GMC Sierra 2500HD $142 $198 $504 $1,024
2001 GMC Sierra 2500HD $138 $188 $500 $1,006

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 Cheapest GMC Sierra 2500HD Insurance

Finding better rates on insurance for a GMC Sierra 2500HD requires having a decent driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a recap of the data that was touched on above.

  • You may be able to save up to $190 per year simply by shopping early and online
  • Insureds who may need additional liability coverage will pay an extra $480 every year to increase from 30/60 bodily injury limits to the 250/500 level
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $490 per month if full coverage is purchased
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,840 more every year than a driver with a clean driving record

Rates by Driver Age

GMC Sierra 2500HD Insurance Rates by Driver Age
Driver Age Premium
16 $5,876
20 $3,648
30 $1,640
40 $1,570
50 $1,434
60 $1,408

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,992
$250 $1,796
$500 $1,570
$1,000 $1,354

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 2500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,570
50/100 $1,744
100/300 $1,854
250/500 $2,140
100 CSL $1,788
300 CSL $2,030
500 CSL $2,206

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 2500HD Insurance Rates for High Risk Drivers
Age Premium
16 $8,392
20 $5,806
30 $3,486
40 $3,410
50 $3,254
60 $3,226

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.

SR-22 Surcharge $221

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $118
5-yr Claim Free $102
Paid in Full/EFT $73
Advance Quote $79
Online Quote $111
Total Discounts $672
Rate after discounts $898

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles