GMC Sierra 2500HD Car Insurance Rates for 2022

How much does insurance cost on a Sierra 2500 HD? We tally rates from the base model up to the Denali Crew Cab to see how cost compares to other heavy duty trucks.

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How much does Sierra 2500 HD car insurance cost?

Drivers should plan on paying an average of $1,780 annually to insure a GMC Sierra 2500 HD pickup. When separated by coverage type, liability/medical (or PIP) coverage is about $704 a year, collision insurance is about $694, and the remaining comprehensive (or other-than-collision) coverage is an estimated $382.

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

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Chart Data Details: Chart shows average insurance cost for a 2022 GMC Sierra 2500 HD with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all GMC Sierra 2500 HD trim levels.Data last updated on June 24, 2022
GMC Sierra 2500 HD Insurance Rates
GMC Sierra 2500 HD Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,070$256
$500$3,548$296
$250$4,048$337
30$1,000$1,590$133
$500$1,856$155
$250$2,134$178
40$1,000$1,536$128
$500$1,780$148
$250$2,034$170
50$1,000$1,406$117
$500$1,624$135
$250$1,854$155
60$1,000$1,378$115
$500$1,594$133
$250$1,820$152

The following table shows average full coverage GMC Sierra 2500 insurance rates for the 2013 to 2022 model years.

GMC Sierra 2500 HD Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 GMC Sierra 2500 HD$1,780$890$148
2021 GMC Sierra 2500 HD$1,742$871$145
2020 GMC Sierra 2500 HD$1,714$857$143
2019 GMC Sierra 2500 HD$1,590$795$133
2018 GMC Sierra 2500 HD$1,604$802$134
2017 GMC Sierra 2500 HD$1,572$786$131
2016 GMC Sierra 2500 HD$1,410$705$118
2015 GMC Sierra 2500 HD$1,438$719$120
2014 GMC Sierra 2500 HD$1,408$704$117
2013 GMC Sierra 2500 HD$1,192$596$99

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
GMC Sierra 2500 HD Insurance Cost by Model Year

What insurance is cheapest for a GMC Sierra 2500?

With GMC Sierra 2500 HD insurance cost ranging from $1,590 to $1,998 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 SLE Regular Cab 2WD at $1,638 per year. On average, plan on budgeting around $133 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 AT4 Crew Cab 4WD, the SLT Crew Cab 4WD, and the Denali Crew Cab 4WD trim levels, all costing around $1,998 per year for full coverage.

2020 GMC Sierra 2500HD AT4 4WD Crew Cab
2020 GMC Sierra 2500HD AT4 4WD Crew Cab with 6.6L Duramax Diesel in Carbon Black Metallic

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.

2022 GMC Sierra 2500 HD Insurance Cost by Trim Level
GMC Sierra 2500 HD Trim Level Annual Policy 6-month Policy Per Month
Pro Regular Cab 2WD$1,590$795$133
SLE Regular Cab 2WD$1,638$819$137
Pro Crew Cab 2WD$1,660$830$138
Pro Double Cab 2WD$1,660$830$138
SLE Crew Cab 2WD$1,684$842$140
SLE Double Cab 2WD$1,684$842$140
Pro Double Cab 4WD$1,774$887$148
SLT Crew Cab 2WD$1,778$889$148
SLT Double Cab 2WD$1,778$889$148
SLT Double Cab 4WD$1,778$889$148
Pro Regular Cab 4WD$1,780$890$148
SLE Double Cab 4WD$1,784$892$149
Pro Crew Cab 4WD$1,826$913$152
SLE Regular Cab 4WD$1,826$913$152
SLE Crew Cab 4WD$1,872$936$156
AT4 Crew Cab 4WD$1,966$983$164
SLT Crew Cab 4WD$1,966$983$164
Denali Crew Cab 4WD$1,998$999$167

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 GMC Sierra 2500 HD, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
GMC Sierra 2500 HD Insurance Cost by 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 $42 less per year than the Chevrolet Silverado HD 2500, $114 more than the Chevrolet Silverado HD 3500, $34 less than the Ford F250 Super Duty, and $124 more than the Ford F350 Super Duty.

2020 GMC Sierra 2500HD AT4 4WD Crew Cab Duramax logo
Duramax emblem on side of 2020 GMC Sierra 2500HD AT4 4WD Crew Cab pickup truck

The GMC Sierra 2500 HD ranks #4 out of 10 total vehicles in the heavy duty truck category. The Sierra 2500 HD costs an average of $1,780 per year for full coverage insurance and the segment average is $1,818 per year, a difference of $38 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year GMC Sierra 2500 HD, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all GMC Sierra 2500 HD trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
GMC Sierra 2500 HD vs Heavy Duty Trucks Insurance Cost Comparison
GMC Sierra 2500 HD Insurance Cost Compared to All Heavy Duty Trucks
Rank Make/Model Insurance Cost Difference
1Ford F350 Super Duty$1,656-$124
2Chevrolet Silverado HD 3500$1,666-$114
3Nissan Titan XD$1,714-$66
4GMC Sierra 2500 HD$1,780--
5GMC Sierra 3500$1,794$14
6Ford F250 Super Duty$1,814$34
7Chevrolet Silverado HD 2500$1,822$42
8Ram Truck 2500$1,884$104
9Ford F450 Super Duty$2,004$224
10Ram Truck 3500$2,050$270

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.

GMC Sierra 2500 HD Insurance Rates for 2000 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 GMC Sierra 2500 HD$1,156$568
2011 GMC Sierra 2500 HD$1,122$562
2010 GMC Sierra 2500 HD$1,076$558
2009 GMC Sierra 2500 HD$1,038$554
2008 GMC Sierra 2500 HD$996$550
2007 GMC Sierra 2500 HD$950$540
2006 GMC Sierra 2500 HD$912$532
2005 GMC Sierra 2500 HD$900$526
2004 GMC Sierra 2500 HD$884$522
2003 GMC Sierra 2500 HD$856$518
2002 GMC Sierra 2500 HD$836$512
2001 GMC Sierra 2500 HD$819$502
2000 GMC Sierra 2500 HD$803$492

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each GMC Sierra 2500 HD model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
GMC Sierra 2500 Liability Insurance Rates

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 ($1,594 per year) and a 30-year-old driver ($1,856 per year) is $262, or a savings of 14.1%.
  • GMC Sierra 2500 insurance rates for teens are expensive. Average rates for full coverage Sierra 2500 HD insurance costs $6,608 per year for a 16-year-old driver, $6,118 per year for a 17-year-old driver, and $5,690 per year for a 18-year-old driver.
  • Higher physical damage deductibles lower policy cost. Increasing deductibles from $500 to $1,000 could save around $244 per year for a 40-year-old driver and $478 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 $254 per year for a 40-year-old driver and $500 per year for a 20-year-old driver.
  • Young male drivers pay the highest rates. For a 2022 Sierra 2500, a 20-year-old male driver will pay an average rate of $3,548 per year, while a 20-year-old female will get a rate of $2,634, a difference of $914 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,624 and female driver rates are $1,592, a difference of only $32.
  • 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 $53 and $159 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 $474 per year. Being convicted of a major violation like DWI/DUI and reckless driving could raise rates by an additional $1,654 or more.
  • Better credit scores yield better car insurance rates. Having an excellent credit score of 800+ may see savings of $279 per year when compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score could cost around $324 more per year.