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 $1,856 annually to insure a GMC Sierra 2500 HD pickup. When separated by coverage type, liability/medical (or PIP) coverage is about $720 a year, collision insurance is about $728, and the remaining comprehensive (or other-than-collision) coverage is an estimated $408.

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 August 11, 2023
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$3,188$266
$500$3,690$308
$250$4,218$352
30$1,000$1,654$138
$500$1,936$161
$250$2,228$186
40$1,000$1,598$133
$500$1,856$155
$250$2,122$177
50$1,000$1,462$122
$500$1,694$141
$250$1,936$161
60$1,000$1,432$119
$500$1,660$138
$250$1,898$158

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$1,856$928$155
2022 GMC Sierra 2500 HD$1,988$994$166
2021 GMC Sierra 2500 HD$1,960$980$163
2020 GMC Sierra 2500 HD$1,934$967$161
2019 GMC Sierra 2500 HD$1,776$888$148
2018 GMC Sierra 2500 HD$1,788$894$149
2017 GMC Sierra 2500 HD$1,730$865$144
2016 GMC Sierra 2500 HD$1,564$782$130
2015 GMC Sierra 2500 HD$1,570$785$131
2014 GMC Sierra 2500 HD$1,552$776$129
2013 GMC Sierra 2500 HD$1,320$660$110

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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 August 11, 2023
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 $1,574 to $2,120 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 Regular Cab 4WD at $1,676 per year. On average, plan on budgeting around $131 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 SLT Crew Cab 4WD, and the AT4 Crew Cab 4WD trim levels, all costing around $2,120 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$1,574$787$131
Pro Regular Cab 4WD$1,676$838$140
Pro Crew Cab 2WD$1,678$839$140
SLE Crew Cab 2WD$1,744$872$145
Pro Double Cab 4WD$1,746$873$146
SLE Regular Cab 2WD$1,750$875$146
Pro Double Cab 2WD$1,758$879$147
SLE Double Cab 2WD$1,792$896$149
SLE Regular Cab 4WD$1,848$924$154
SLT Crew Cab 2WD$1,892$946$158
SLE Double Cab 4WD$1,894$947$158
Pro Crew Cab 4WD$1,908$954$159
SLE Crew Cab 4WD$1,930$965$161
SLT Double Cab 2WD$1,934$967$161
SLT Double Cab 4WD$2,032$1,016$169
Denali Crew Cab 4WD$2,060$1,030$172
SLT Crew Cab 4WD$2,060$1,030$172
AT4 Crew Cab 4WD$2,120$1,060$177

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 August 11, 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 $130 less per year than the Chevrolet Silverado HD 2500, $136 less than the Chevrolet Silverado HD 3500, $336 less than the Ford F250 Super Duty, and $310 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 $1,856 per year for full coverage insurance and the segment average is $2,082 per year, a difference of $226 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 August 12, 2023
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$1,856--
2GMC Sierra 3500$1,912$56
3Chevrolet Silverado HD 2500$1,986$130
4Chevrolet Silverado HD 3500$1,992$136
5Nissan Titan XD$2,022$166
6Ram Truck 2500$2,054$198
7Ford F350 Super Duty$2,166$310
8Ford F250 Super Duty$2,192$336
9Ram Truck 3500$2,222$366
10Ford F450 Super Duty$2,422$566

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$1,282$644
2011 GMC Sierra 2500 HD$1,230$638
2010 GMC Sierra 2500 HD$1,186$632
2009 GMC Sierra 2500 HD$1,138$628
2008 GMC Sierra 2500 HD$1,088$618
2007 GMC Sierra 2500 HD$1,042$606
2006 GMC Sierra 2500 HD$1,030$602
2005 GMC Sierra 2500 HD$1,008$596
2004 GMC Sierra 2500 HD$978$592
2003 GMC Sierra 2500 HD$954$586
2002 GMC Sierra 2500 HD$935$574
2001 GMC Sierra 2500 HD$916$563
2000 GMC Sierra 2500 HD$898$552

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 August 11, 2023
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 ($1,660 per year) and a 30-year-old driver ($1,936 per year) is $276, or a savings of 15.4%.
  • GMC Sierra 2500 insurance rates for teens are expensive. Average rates for full coverage Sierra 2500 HD insurance costs $6,856 per year for a 16-year-old driver, $6,354 per year for a 17-year-old driver, and $5,912 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 $258 per year for a 40-year-old driver and $502 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 $266 per year for a 40-year-old driver and $528 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 $3,690 per year, while a 20-year-old female will get a rate of $2,746, a difference of $944 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,694 and female driver rates are $1,656, a difference of only $38.
  • 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 $56 and $183 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 $490 per year. Being convicted of a major violation like DWI/DUI and reckless driving could raise rates by an additional $1,716 or more.
  • Better credit scores yield better car insurance rates. Having an excellent credit score of 800+ may see savings of $291 per year when compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score could cost around $338 more per year.