GMC Sierra 2500HD Car Insurance Rates for 2023

We compared rates from the least expensive Pro Regular Cab 2WD trim to the AT4 Crew Cab 4WD model to discover how insurance for the Sierra 2500 HD measures up to similar heavy duty trucks.

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How much does Sierra 2500 HD car insurance cost?

Drivers should plan on paying an average of $1,804 annually to insure a GMC Sierra 2500 HD pickup. When separated by coverage type, liability/medical (or PIP) coverage is about $700 a year, collision insurance is about $708, and the remaining comprehensive (or other-than-collision) coverage is an estimated $396.

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 2023 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 December 30, 2022
GMC Sierra 2500 HD Insurance Rates
2023 GMC Sierra 2500 HD Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,106$259
$500$3,596$300
$250$4,110$343
30$1,000$1,614$135
$500$1,888$157
$250$2,174$181
40$1,000$1,554$130
$500$1,804$150
$250$2,066$172
50$1,000$1,420$118
$500$1,646$137
$250$1,882$157
60$1,000$1,396$116
$500$1,616$135
$250$1,848$154

The following table shows average full coverage GMC Sierra 2500 insurance rates for the 2013 to 2023 model years.

GMC Sierra 2500 HD Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 GMC Sierra 2500 HD$1,804$902$150
2022 GMC Sierra 2500 HD$1,938$969$162
2021 GMC Sierra 2500 HD$1,906$953$159
2020 GMC Sierra 2500 HD$1,884$942$157
2019 GMC Sierra 2500 HD$1,726$863$144
2018 GMC Sierra 2500 HD$1,740$870$145
2017 GMC Sierra 2500 HD$1,686$843$141
2016 GMC Sierra 2500 HD$1,522$761$127
2015 GMC Sierra 2500 HD$1,530$765$128
2014 GMC Sierra 2500 HD$1,512$756$126
2013 GMC Sierra 2500 HD$1,284$642$107

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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 December 30, 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 $1,534 to $2,062 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 $1,632 per year. On average, plan on budgeting around $128 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 SLT Crew Cab 4WD, the Denali Crew Cab 4WD, and the AT4 Crew Cab 4WD trim levels, all costing around $2,062 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.

2023 GMC Sierra 2500 HD Insurance Cost by Trim Level
GMC Sierra 2500 HD Trim Level Annual Policy Six-Month Policy Per Month
Pro Regular Cab 2WD$1,534$767$128
Pro Crew Cab 2WD$1,632$816$136
Pro Regular Cab 4WD$1,632$816$136
SLE Crew Cab 2WD$1,696$848$141
Pro Double Cab 4WD$1,700$850$142
SLE Regular Cab 2WD$1,700$850$142
Pro Double Cab 2WD$1,710$855$143
SLE Double Cab 2WD$1,744$872$145
SLE Regular Cab 4WD$1,798$899$150
SLT Crew Cab 2WD$1,840$920$153
SLE Double Cab 4WD$1,842$921$154
Pro Crew Cab 4WD$1,856$928$155
SLE Crew Cab 4WD$1,878$939$157
SLT Double Cab 2WD$1,882$941$157
SLT Double Cab 4WD$1,978$989$165
SLT Crew Cab 4WD$2,004$1,002$167
Denali Crew Cab 4WD$2,006$1,003$167
AT4 Crew Cab 4WD$2,062$1,031$172

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
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 $132 less per year than the Chevrolet Silverado HD 2500, $136 less than the Chevrolet Silverado HD 3500, $328 less than the Ford F250 Super Duty, and $304 less 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 first out of 10 total vehicles in the heavy duty truck category. The Sierra 2500 HD costs an average of $1,804 per year for full coverage insurance and the segment average is $2,027 per year, a difference of $223 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 2023 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 December 30, 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
1GMC Sierra 2500 HD$1,804--
2GMC Sierra 3500$1,866$62
3Chevrolet Silverado HD 2500$1,936$132
4Chevrolet Silverado HD 3500$1,940$136
5Nissan Titan XD$1,970$166
6Ram Truck 2500$2,002$198
7Ford F350 Super Duty$2,108$304
8Ford F250 Super Duty$2,132$328
9Ram Truck 3500$2,158$354
10Ford F450 Super Duty$2,358$554

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$1,248$626
2011 GMC Sierra 2500 HD$1,198$620
2010 GMC Sierra 2500 HD$1,156$616
2009 GMC Sierra 2500 HD$1,106$610
2008 GMC Sierra 2500 HD$1,058$600
2007 GMC Sierra 2500 HD$1,016$590
2006 GMC Sierra 2500 HD$1,002$586
2005 GMC Sierra 2500 HD$984$580
2004 GMC Sierra 2500 HD$952$576
2003 GMC Sierra 2500 HD$930$570
2002 GMC Sierra 2500 HD$911$559
2001 GMC Sierra 2500 HD$893$547
2000 GMC Sierra 2500 HD$875$536

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 December 30, 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 ($1,616 per year) and a 30-year-old driver ($1,888 per year) is $272, or a savings of 15.5%.
  • GMC Sierra 2500 insurance rates for teens are expensive. Average rates for full coverage Sierra 2500 HD insurance costs $6,682 per year for a 16-year-old driver, $6,190 per year for a 17-year-old driver, and $5,760 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 $250 per year for a 40-year-old driver and $490 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 $262 per year for a 40-year-old driver and $514 per year for a 20-year-old driver.
  • Young male drivers pay the highest rates. For a 2023 Sierra 2500, a 20-year-old male driver will pay an average rate of $3,596 per year, while a 20-year-old female will get a rate of $2,676, a difference of $920 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,646 and female driver rates are $1,616, a difference of only $30.
  • 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 $54 and $178 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 $482 per year. Being convicted of a major violation like DWI/DUI and reckless driving could raise rates by an additional $1,678 or more.
  • Better credit scores yield better car insurance rates. Having an excellent credit score of 800+ may see savings of $283 per year when compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score could cost around $328 more per year.