Buy Cheap GMC Sierra 2500HD Auto Insurance in 2024
If you want to buy affordable GMC Sierra 2500HD insurance coverage then you should know that a policy will cost $133 per month ($1,592 per year) on average. On average, comprehensive coverage costs $388, collision coverage costs $566, and liability coverage costs $449 for GMC Sierra 2500HD insurance.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,592 a year or $133 each month
- A liability-only policy costs around $638 a year or $53 each month
- Highest rates are for teenage drivers at around $5,819 a year or $485 each month
- Good drivers can save as much as $656 a year by earning policy discounts
- GMC Sierra 2500HD insurance costs around $73 more per year than the average vehicle
Are you looking for GMC Sierra 2500HD insurance rates? A liability-only policy costs around $638 a year or $53 each month. Learn about other ways to save in our guide, which goes over the important factors that determine your GMC Sierra 2500HD insurance rates.
You can start comparing quotes for GMC Sierra 2500HD car insurance rates from some of the best car insurance companies by using our free online tool now.
GMC Sierra 2500HD Insurance Cost
The average GMC Sierra 2500HD car insurance rates are $1,592 a year or $133 a month.
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Are GMC Sierra 2500HDs Expensive to Insure?
The chart below details how GMC Sierra 2500HD insurance rates compare to other trucks like the Ford F-150, Chevrolet Silverado 2500HD, and Chevrolet Colorado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| Chevrolet Silverado 2500HD | $362 | $688 | $420 | $1,650 |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
However, there are a few things you can do to find the cheapest GMC insurance rates online.
What Impacts the Cost of GMC Sierra 2500HD Insurance?
The GMC Sierra 2500HD trim and model you choose can impact the total price you will pay for GMC Sierra 2500HD insurance coverage.
Age of the Vehicle
Older GMC Sierra 2500HD models generally cost less to insure. For example, car insurance for a 2020 GMC Sierra 2500HD costs $1,592, while 2010 GMC Sierra 2500HD insurance costs are $1,302, a difference of $290.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| 2019 GMC Sierra 2500HD | $320 | $630 | $440 | $1,570 |
| 2018 GMC Sierra 2500HD | $306 | $626 | $450 | $1,562 |
| 2017 GMC Sierra 2500HD | $296 | $610 | $470 | $1,556 |
| 2016 GMC Sierra 2500HD | $286 | $586 | $486 | $1,538 |
| 2015 GMC Sierra 2500HD | $270 | $564 | $500 | $1,514 |
| 2014 GMC Sierra 2500HD | $260 | $524 | $510 | $1,474 |
| 2013 GMC Sierra 2500HD | $250 | $494 | $514 | $1,438 |
| 2012 GMC Sierra 2500HD | $240 | $442 | $520 | $1,382 |
| 2011 GMC Sierra 2500HD | $224 | $408 | $520 | $1,332 |
| 2010 GMC Sierra 2500HD | $216 | $382 | $524 | $1,302 |
Driver Age
Driver age can have a significant impact on GMC Sierra 2500HD auto insurance rates. For example, 20-year-old drivers pay approximately $1,947 more each year for their GMC Sierra 2500HD auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on GMC Sierra 2500HD insurance rates. For example, drivers in Los Angeles may pay $1,369 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of GMC Sierra 2500HD auto insurance. Teens and drivers in their 20’s see the highest jump in their GMC Sierra 2500HD car insurance with violations on their driving record.
GMC Sierra 2500HD Safety Ratings
The GMC Sierra 2500HD’s safety ratings will affect your GMC Sierra 2500HD car insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
GMC Sierra 2500HD Crash Test Ratings
Poor GMC Sierra 2500HD crash test ratings could mean higher GMC Sierra 2500HD car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| GMC Sierra 2500HD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
GMC Sierra 2500HD Safety Features
The numerous safety features of the GMC Sierra 2500HD help contribute to lower insurance rates. The 2020 GMC Sierra 2500HD has the following safety features:
- Front and rear park assist
- GM’s rear camera mirror
- Blind-spot monitors
- Rear cross-traffic alerts
- Forward collision warnings
- Automatic emergency braking
- Lane departure warnings
- GM’s safety alert seat
GMC Sierra 2500HD Finance and Insurance Cost
If you are financing a GMC Sierra 2500HD, you will pay more if you purchase GMC Sierra 2500HD car insurance at the dealership, so be sure to shop around and compare GMC Sierra 2500HD car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on GMC Sierra 2500HD Insurance
If you want to reduce the cost of your GMC Sierra 2500HD insurance rates, follow these tips below:
- Understand the Different Types of Auto Insurance for Your GMC Sierra 2500HD
- Pay Your GMC Sierra 2500HD Insurance Upfront
- Take Advantage of Referral Fees
- Watch Your Insurer Closely When Your GMC Sierra 2500HD Needs Repairs
- Bundle Your GMC Sierra 2500HD Auto Insurance with Home Insurance
Top GMC Sierra 2500HD Insurance Companies
Who is the top car insurance company for GMC Sierra 2500HD insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Sierra 2500HD auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Sierra 2500HD offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors should I consider when buying auto insurance for a GMC Sierra 2500HD?
When buying auto insurance for your GMC Sierra 2500HD, there are several factors to consider. These include your driving history, the level of coverage you require, the deductible amount you’re willing to pay, your location, the value of your vehicle, and any additional features or modifications on your truck.
How can I find cheap auto insurance for my GMC Sierra 2500HD?
To find affordable auto insurance for your GMC Sierra 2500HD, you can follow these tips:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for a higher deductible if you can afford to pay more out of pocket in case of a claim.
- Consider bundling your auto insurance with other policies, such as home insurance, to potentially receive discounts.
- Inquire about any available discounts for safety features or anti-theft devices installed in your truck.
- Ask your insurance provider if they offer any loyalty or long-term customer discounts.
What types of coverage should I consider for my GMC Sierra 2500HD?
When choosing auto insurance coverage for your GMC Sierra 2500HD, consider the following options:
- Liability coverage: This is typically required by law and covers damages you may cause to others in an accident.
- Collision coverage: This covers repairs or replacement costs for your truck if it’s damaged in a collision.
- Comprehensive coverage: This covers non-collision-related damages, such as theft, vandalism, or natural disasters.
- Medical payments coverage: This covers medical expenses for you and your passengers in the event of an accident.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who has insufficient insurance coverage.
Can the type of GMC Sierra 2500HD I own affect my insurance rates?
Yes, the type of GMC Sierra 2500HD you own can affect your insurance rates. Insurance providers consider factors such as the model year, trim level, engine size, safety features, and the overall value of the vehicle. Newer models or trucks with advanced safety features may be eligible for discounts, while more expensive or high-performance models might have higher insurance premiums.
Are there any specific safety features or modifications that can lower my insurance costs?
Yes, certain safety features and modifications can potentially lower your insurance costs for a GMC Sierra 2500HD. Examples include:
- Anti-lock brakes (ABS)
- Electronic stability control (ESC)
- Airbags (front, side, or curtain)
- Anti-theft devices (alarm systems, tracking devices)
- Forward collision warning systems
- Lane departure warning systems
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.