GMC Sierra 2500HD Auto Insurance (2024)
Average auto insurance rates for a GMC Sierra 2500HD cost $1,592 a year, or around $133 a month. Teens pay the highest rates at up to $5,819 a year, while good drivers may only pay $936.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
On This Page
Key takeaways:
- Full coverage costs around $1,592 a year or $133 each month
- A liability-only policy costs around $638 a year or $53 each month
- Highest rates are for teenage drivers at around $5,819 a year or $485 each month
- Good drivers can save as much as $656 a year by earning policy discounts
- GMC Sierra 2500HD insurance costs around $73 more per year than the average vehicle
GMC Sierra 2500HD insurance rates are $133 per month for full coverage and $53 per month for liability-only coverage. You can save up to $656 per year using policy discounts. Read through this guide to learn how you can save money on GMC Sierra 2500HD insurance rates.
You can start comparing quotes for GMC Sierra 2500HD auto insurance rates from some of the best auto insurance companies by using our free online tool now.
GMC Sierra 2500HD Insurance Cost
The average GMC Sierra 2500HD auto insurance costs are $1,592 a year or $133 a month.
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Are GMC Sierra 2500HDs Expensive to Insure?
The chart below details how GMC Sierra 2500HD insurance rates compare to other trucks like the Chevrolet Silverado 3500HD, Chevrolet Silverado 2500HD, and Ford Ranger.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| Chevrolet Silverado 2500HD | $362 | $688 | $420 | $1,650 |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
However, there are a few things you can do to find the cheapest GMC insurance rates online.
What Impacts the Cost of GMC Sierra 2500HD Insurance?
The GMC Sierra 2500HD trim and model you choose can impact the total price you will pay for GMC Sierra 2500HD insurance coverage.
Age of the Vehicle
The average GMC Sierra 2500HD auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 GMC Sierra 2500HD cost $1,592, while 2010 GMC Sierra 2500HD rates are $1,302, a difference of $290.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| 2019 GMC Sierra 2500HD | $320 | $630 | $440 | $1,570 |
| 2018 GMC Sierra 2500HD | $306 | $626 | $450 | $1,562 |
| 2017 GMC Sierra 2500HD | $296 | $610 | $470 | $1,556 |
| 2016 GMC Sierra 2500HD | $286 | $586 | $486 | $1,538 |
| 2015 GMC Sierra 2500HD | $270 | $564 | $500 | $1,514 |
| 2014 GMC Sierra 2500HD | $260 | $524 | $510 | $1,474 |
| 2013 GMC Sierra 2500HD | $250 | $494 | $514 | $1,438 |
| 2012 GMC Sierra 2500HD | $240 | $442 | $520 | $1,382 |
| 2011 GMC Sierra 2500HD | $224 | $408 | $520 | $1,332 |
| 2010 GMC Sierra 2500HD | $216 | $382 | $524 | $1,302 |
Driver Age
Driver age can have a significant impact on the cost of GMC Sierra 2500HD auto insurance. For example, 20-year-old drivers pay approximately $1,947 each year for their GMC Sierra 2500HD auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on GMC Sierra 2500HD insurance rates. For example, drivers in Houston may pay $1,174 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on your GMC Sierra 2500HD auto insurance rates. Teens and drivers in their 20’s see the highest jump in their GMC Sierra 2500HD auto insurance with violations on their driving record.
GMC Sierra 2500HD Safety Ratings
Your GMC Sierra 2500HD auto insurance rates are tied to the safety ratings of the GMC Sierra 2500HD. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/A |
|---|---|
| Small overlap front: passenger-side | N/A |
| Moderate overlap front | N/A |
| Side | N/A |
| Roof strength | N/A |
| Head restraints and seats | N/A |
| Source: Insurance Institute for Highway Safety | |
GMC Sierra 2500HD Crash Test Ratings
If the GMC Sierra 2500HD crash test ratings are good, you could have lower GMC Sierra 2500HD auto insurance rates. See GMC Sierra 2500HD crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| GMC Sierra 2500HD | 4 stars | 3 stars | 5 stars | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
GMC Sierra 2500HD Safety Features
Most drivers don’t realize that not only do GMC Sierra 2500HD safety features play a vital role in keeping passengers safe in crashes, but they can also help lower GMC Sierra 2500HD auto insurance rates. The GMC Sierra 2500HD’s safety features include:
- Forward Collision Alert
- Lane Departure Warning
- Following Distance Indicator
- Rear Cross-Traffic Alert
- Safety Alert Seat
- Automatic Emergency Braking
- Front and Rear Park Assist
- Teen Driver Alert System
GMC Sierra 2500HD Finance and Insurance Cost
If you are financing a GMC Sierra 2500HD, you will pay more if you purchase GMC Sierra 2500HD auto insurance at the dealership, so be sure to shop around and compare GMC Sierra 2500HD auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on GMC Sierra 2500HD Insurance
You have more options at your disposal to save money on your GMC Sierra 2500HD auto insurance costs. For example, try taking advantage of the following five strategies to reduce your GMC Sierra 2500HD auto insurance rates
- Ask About Discounts for People with Disabilities
- Audit Your GMC Sierra 2500HD Driving When You Move to a New Location or Start a New Job
- Avoid the Temptation to File a Claim for Minor Incidents
- Don’t Always Pick the Cheapest GMC Sierra 2500HD Auto Insurance Policy
- Drive Your GMC Sierra 2500HD Safely
Top GMC Sierra 2500HD Insurance Companies
Who is the top auto insurance company for GMC Sierra 2500HD insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Sierra 2500HD auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Sierra 2500HD offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
How much does auto insurance for a GMC Sierra 2500HD cost?
The cost of auto insurance for a GMC Sierra 2500HD can vary depending on various factors, including your location, driving history, coverage options, deductible amount, and insurance provider. It is best to request quotes from multiple insurance companies to get an accurate estimate tailored to your specific circumstances.
What are the common coverage options for GMC Sierra 2500HD auto insurance?
Common coverage options for GMC Sierra 2500HD auto insurance include liability coverage (which is usually mandatory), collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP) depending on your state regulations. Additional options like roadside assistance and rental car coverage may also be available.
Is it more expensive to insure a GMC Sierra 2500HD compared to other vehicles?
Insuring a GMC Sierra 2500HD may be more expensive compared to some other vehicles due to its larger size and higher value. Insurance companies consider factors such as repair costs, theft rates, and safety ratings when determining premiums. However, the cost can vary between insurance providers, so it’s best to compare quotes to find the most competitive rates.
Are there any specific discounts available for GMC Sierra 2500HD auto insurance?
Many insurance companies offer various discounts that may apply to GMC Sierra 2500HD auto insurance. These can include discounts for bundling multiple policies, having a good driving record, completing a defensive driving course, installing anti-theft devices, or being a member of certain professional organizations. It’s advisable to check with insurance providers to explore all available discounts.
Do modifications or aftermarket additions affect GMC Sierra 2500HD auto insurance?
Yes, modifications or aftermarket additions to your GMC Sierra 2500HD can affect auto insurance rates. Changes that increase the vehicle’s value, alter its performance, or deviate from the manufacturer’s specifications may lead to higher premiums. It’s crucial to inform your insurance provider about any modifications to ensure proper coverage and avoid potential claim issues.
How can I find the best insurance rates for my GMC Sierra 2500HD?
To find the best insurance rates for your GMC Sierra 2500HD, it is recommended to shop around and compare quotes from multiple insurance companies. You can either contact insurance agents directly or use online comparison tools that provide quotes from various insurers. Additionally, consider factors like coverage options, deductibles, customer service, and reputation when evaluating insurance providers.
What steps can I take to lower the cost of GMC Sierra 2500HD auto insurance?
There are several steps you can take to lower the cost of GMC Sierra 2500HD auto insurance. These include maintaining a clean driving record, opting for higher deductibles, bundling your auto insurance with other policies, taking advantage of available discounts, parking your vehicle in a secure location, and considering anti-theft devices or safety features that may qualify for insurance premium reductions.
Is it necessary to have full coverage for a GMC Sierra 2500HD?
The necessity for full coverage auto insurance, which typically includes comprehensive and collision coverage, depends on several factors. If you have a loan or lease on your GMC Sierra 2500HD, your lender may require full coverage until the vehicle is paid off. Even without a loan, full coverage can provide additional protection for your vehicle. However, if your vehicle’s value is low or you have significant savings, you may choose to carry only liability coverage. Consider your financial situation and the value of your vehicle
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.