2020 GMC Sierra 2500 HD Car Insurance Calculator

Learn in real-time how choices you make impact the cost of insurance for a 2020 GMC Sierra 2500 HD. Make changes to factors like trim level, driving violations, and policy coverages and see their impact on rates. Instantly discover whether your selection increases or decreases your premium.

The average estimated car insurance premium for a 2020 GMC Sierra 2500 HD is $2,384 per year, or about $199 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,384

Cost Per Month

$199

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

GMC Sierra 2500 HD Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 GMC Sierra 2500 HD.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,384
Average Rate
Your Rate
$2,384

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 GMC Sierra 2500 HD trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 GMC Sierra 2500 HD is $2,384.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 GMC Sierra 2500 HD Segment Comparison

The table below compares insurance rates for the 2020 GMC Sierra 2500 HD against all other models in the heavy duty truck segment. The GMC Sierra 2500 HD is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the GMC Sierra 2500 HD, with green values denoting cheaper rates and red values indicating more expensive rates compared to the GMC Sierra 2500 HD.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 GMC Sierra 2500 HD Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Silverado HD 3500$2,282-$102
2Nissan Titan XD$2,292-$92
3GMC Sierra 2500 HD$2,384--
4Chevrolet Silverado HD 2500$2,394$10
2020 Heavy Duty Truck Average$2,431$47
5GMC Sierra 3500$2,452$68
6Ford F350 Super Duty$2,456$72
7Ford F250 Super Duty$2,472$88
8Ram Truck 2500$2,478$94
9Ford F450 Super Duty$2,540$156
10Ram Truck 3500$2,556$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 Sierra 2500 HD Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 GMC Sierra 2500 HD.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 GMC Sierra 2500 HD Insurance Rates by Trim Level
2020 GMC Sierra 2500 HD Trim Level Annual Premium Cost Per Month
Regular Cab 2WD$2,130$178
SLE Regular Cab 2WD$2,192$183
Crew Cab 2WD$2,224$185
Double Cab 2WD$2,224$185
SLE Crew Cab 2WD$2,252$188
SLE Double Cab 2WD$2,252$188
SLT Crew Cab 2WD$2,378$198
SLT Double Cab 2WD$2,378$198
SLT Long Bed Double Cab 4WD$2,378$198
Regular Cab 4WD$2,384$199
Base Crew Cab 4WD$2,446$204
SLE Regular Cab 4WD$2,446$204
SLE Crew Cab 4WD$2,510$209
AT4 Crew Cab 4WD$2,632$219
SLT Crew Cab 4WD$2,632$219
Denali Crew Cab 4WD$2,676$223

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 GMC Sierra 2500 HD for different driver ages.

2020 GMC Sierra 2500 HD Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,835$736
17$8,478$707
18$7,444$620
19$6,825$569
20$5,177$431
21$4,934$411
22$4,387$366
23$3,638$303
24$3,419$285
25$2,766$231
30$2,526$211
35$2,454$205
40$2,384$199
45$2,242$187
50$2,130$178
55$1,988$166
60$1,992$166
65$2,126$177
70$2,332$194
75$2,788$232
80$3,460$288

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all GMC Sierra 2500 HD trim levels.