GMC Sierra 2500 HD Insurance Costs: New vs. Pre-Owned Models

• Average GMC Sierra 2500 HD insurance cost is $2,384 per year, or $199 per month for full coverage.
• GMC Sierra 2500 HD insurance cost ranges from $2,060 to $2,820 per year for an average driver, depending on trim level.
• When compared to other heavy duty trucks, the GMC Sierra 2500 HD is one of the cheaper heavy duty trucks to insure, costing $310 less per year on average.

How much does Sierra 2500 HD car insurance cost?

Drivers should plan on paying an average of $2,384 annually to insure a GMC Sierra 2500 HD pickup. When separated by coverage type, liability/medical (or PIP) coverage is about $902 a year, collision insurance is about $950, and the remaining comprehensive (or other-than-collision) coverage is an estimated $532.

The chart below illustrates how Sierra 2500 HD car insurance cost varies depending on driver age and coverage deductibles.

The following table shows average full coverage GMC Sierra 2500 insurance rates for the 2013 to 2024 model years.

What insurance is cheapest for a GMC Sierra 2500?

With GMC Sierra 2500 HD insurance cost ranging from $2,060 to $2,820 annually for an average driver, the most affordable trim level to insure is the Pro Regular Cab 2WD. The next cheapest trim level to insure is the Pro Crew Cab 2WD at $2,172 per year. On average, plan on budgeting around $172 per month to insure the lower end Sierra 2500 models.

For the upper-end trim levels, the three most expensive Sierra 2500 HD trim levels to insure are the Sierra Denali Crew Cab 4WD, the AT4 Crew Cab 4WD, and the AT4X Crew Cab 4WD trim levels, all costing around $2,820 per year for full coverage.

The rate table below shows the average annual and 6-month auto insurance costs, in addition to a monthly budget estimate, for each GMC Sierra HD model trim level.

How does GMC Sierra 2500HD insurance cost compare?

When compared to other heavy duty three-quarter ton trucks, insurance for a GMC Sierra 2500 HD costs $188 less per year than the Chevrolet Silverado HD 2500, $120 less than the Chevrolet Silverado HD 3500, $432 less than the Ford F250 Super Duty, and $452 less than the Ford F350 Super Duty.

The GMC Sierra 2500 HD ranks first out of 10 total vehicles in the heavy duty truck category. The Sierra 2500 HD costs an average of $2,384 per year for full coverage insurance and the segment average is $2,694 per year, a difference of $310 per year.

The chart below shows how well GMC Sierra 2500HD car insurance rates fare against other heavy duty trucks. The cost range for insuring these large pickups is surprisingly small, even more so than their smaller half-ton siblings.

How much is liability insurance on a GMC Sierra 2500 HD?

As vehicles get older and the value drops, at some point it makes sense to stop insuring for full coverage and just insure for liability exposures. The table below compares full coverage insurance rates to liability-only rates for the GMC Sierra 2500 for the 2000 to 2012 model years.

A few additional conclusions concerning Sierra HD car insurance cost include:

• Rates trend downward as age increases. The difference in insurance cost for a Sierra 2500 truck between a 60-year-old driver ($1,986 per year) and a 30-year-old driver ($2,532 per year) is $546, or a savings of 24.2%.
• GMC Sierra 2500 insurance rates for teens are expensive. Average rates for full coverage Sierra 2500 HD insurance costs $8,708 per year for a 16-year-old driver, $8,373 per year for a 17-year-old driver, and $7,388 per year for an 18-year-old driver.
• Higher physical damage deductibles lower policy cost. Increasing deductibles from $500 to $1,000 could save around $336 per year for a 40-year-old driver and $656 per year for a 20-year-old driver.
• Low deductibles makes insurance more expensive. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $352 per year for a 40-year-old driver and $690 per year for a 20-year-old driver.
• Young male drivers pay the highest rates. For a 2024 Sierra 2500, a 20-year-old male driver will pay an average rate of $4,812 per year, while a 20-year-old female will get a rate of $3,460, a difference of $1,352 per year in favor of the women by a long shot. But by age 50, the cost for men is $2,126 and female driver rates are $2,064, a difference of only $62.
• Save money due to your profession. Some car insurance companies offer discounts for certain occupations like high school and elementary teachers, lawyers, engineers, farmers, members of the military, nurses, and other occupations. Working in a qualifying occupation could save between $72 and $228 on your car insurance premium, depending on the age of the driver.
• Get cheaper rates by avoiding traffic tickets. To get the cheapest pickup truck insurance rates, it’s necessary to be a safe driver. Just one or two minor infractions on your motor vehicle report have the consequences of raising Sierra 2500 HD insurance cost as much as $646 per year. Being convicted of a major violation like DWI/DUI and reckless driving could raise rates by an additional $2,242 or more.
• Better credit scores yield better car insurance rates. Having an excellent credit score of 800+ may see savings of $374 per year when compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score could cost around $434 more per year.