Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used GMC Sierra 2500HD? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

GMC Sierra 2500HD car insurance facts

  • Average full coverage auto insurance premium: $133/month

  • Most affordable companies: Allied Insurance ($78/month) & Progressive ($86/month)

  • Sierra 2500HD car insurance cost vs. average rates: $37 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your GMC Sierra 2500HD by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average GMC Sierra 2500HD insurer costs by state:

Risk factors affecting GMC Sierra 2500HD car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on GMC Sierra 2500HD car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all GMC models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

GMC automobile brand

General Motors Company (GMC) is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the GMC brand for the United States market. GMC is the largest United States automobile manufacturer and one of the world’s largest auto manufacturers. The target market of GMC is middle, upper-middle, and upper-class U.S. consumers focusing on advanced technology with creative designs and affordability. All GMC automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The GMC Sierra 1500, Canyon, Terrain, and Yukon are some of their most popular vehicles.

High GMC Sierra 2500HD repair costs equal high car insurance rates

Many consumers are attracted to GMC’s creative designs, increased fuel efficiencies, and driver-assist technologies, like GMC’s Pro and GMC Pro Safety technological innovations. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a GMC is higher than average since repair parts are slightly more expensive. For this reason, many GMCs are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for GMC Sierra 2500HD affecting car insurance policies

Another factor to consider for GMC is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all GMC models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent GMC IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

GMCs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as GMC’s Pro Safety and Pro Safety Plus innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% car insurance discounts for passive restraints and safety features for most GMC models. The GMC Terrain and Acadia are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives GMC automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new GMC automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$2069
Allied$956
Allstate$1715
Auto-Owners$1740
Cincinnati Insurance$1915
Direct Auto$1902
GEICO$1174
Kentucky Farm Bureau$1798
Liberty Mutual$1688
MetLife$1934
Nationwide$1624
Plymouth Rock Insurance$1735
Progressive$1033
State Farm$1357
Tennessee Farmers$1125
Texas Farm Bureau$1567
The Hanover$1834
Travelers$1264
USAA$1495

Compare all 2021 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$1526

List Price

$36200

Trims Available

Base - SLE - SLT - Denali - Base Engine: 6.6-liter gas-powered V-8 at 401 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Allied$935
Allstate$1453
Auto-Owners$1550
Farmers$1562
GEICO$1046
Liberty Mutual$1338
Mercury$1512
MetLife$1836
Nationwide$1270
Progressive$946
State Farm$1157
Tennessee Farmers$980
Texas Farm Bureau$1250
The Hanover$1716
Travelers$1091
USAA$1200

Compare all 2020 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$1327

List Price

$35800

Trims Available

Base - SLE - SLT - Denali - Base Engine: 6.6-liter gas-powered V-8 at 401 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Allied$925
Allstate$1433
Auto-Owners$1547
GEICO$1035
Kentucky Farm Bureau$1629
Liberty Mutual$1330
Mercury$1502
MetLife$1835
Nationwide$1261
Progressive$935
State Farm$1152
Tennessee Farmers$978
Texas Farm Bureau$1249
The Hanover$1706
Travelers$1056
USAA$1196

Compare all 2019 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$1289

List Price

$38200

Trims Available

Base - SLE - SLT - Denali - Base Engine: 6.6-liter gas-powered V-8 at 401 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1159
Acuity$ 1159
Allied$ 1162
Allied$ 1162
American Family$ 1111
American Family$ 1111
Country$ 1107
Country$ 1107
Erie$ 733
Erie$ 733
GEICO$ 600
GEICO$ 600
Nationwide$ 998
Nationwide$ 998
Progressive$ 854
Progressive$ 854
State Farm$ 809
State Farm$ 809
Tennessee Farmers$ 1088
Tennessee Farmers$ 1088
USAA$ 815
USAA$ 815
Vermont Mutual$ 1090
Vermont Mutual$ 1090

Compare all 2018 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 990

List Price

$ 35000

Trims Available

Base - SLE - SLT - Denali

2017 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1280
Acuity$ 1280
Allied$ 1088
Allied$ 1088
American Family$ 1524
American Family$ 1524
Arbella$ 1356
Arbella$ 1356
Country$ 1352
Country$ 1352
Erie$ 1235
Erie$ 1235
GEICO$ 1365
GEICO$ 1365
Nationwide$ 1237
Nationwide$ 1237
Plymouth Rock Insurance$ 1189
Plymouth Rock Insurance$ 1189
Tennessee Farmers$ 1192
Tennessee Farmers$ 1192
Texas Farm Bureau$ 747
Texas Farm Bureau$ 747
Vermont Mutual$ 1176
Vermont Mutual$ 1176

Compare all 2017 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 1533

List Price

$ 34190

Trims Available

Base - SLE - SLT - Denali

2016 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 986
Acuity$ 986
American Family$ 938
American Family$ 938
Country$ 891
Country$ 891
Erie$ 640
Erie$ 640
GEICO$ 478
GEICO$ 478
Nationwide$ 942
Nationwide$ 942
Progressive$ 760
Progressive$ 760
State Farm$ 656
State Farm$ 656
Tennessee Farmers$ 941
Tennessee Farmers$ 941
Texas Farm Bureau$ 733
Texas Farm Bureau$ 733
USAA$ 743
USAA$ 743
Vermont Mutual$ 856
Vermont Mutual$ 856

Compare all 2016 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 851

List Price

$ 33535

Trims Available

Base - SLE - SLT - Denali

2015 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 966
Acuity$ 966
American Family$ 940
American Family$ 940
Country$ 911
Country$ 911
Erie$ 606
Erie$ 606
GEICO$ 492
GEICO$ 492
Nationwide$ 971
Nationwide$ 971
Progressive$ 822
Progressive$ 822
State Farm$ 646
State Farm$ 646
Tennessee Farmers$ 807
Tennessee Farmers$ 807
Texas Farm Bureau$ 789
Texas Farm Bureau$ 789
USAA$ 726
USAA$ 726
Vermont Mutual$ 858
Vermont Mutual$ 858

Compare all 2015 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 874

List Price

$ 33195

Trims Available

Base - SLE - SLT - Denali

2014 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 925
Acuity$ 925
American Family$ 892
American Family$ 892
Country$ 903
Country$ 903
Erie$ 589
Erie$ 589
GEICO$ 477
GEICO$ 477
Nationwide$ 931
Nationwide$ 931
Progressive$ 807
Progressive$ 807
State Farm$ 630
State Farm$ 630
Tennessee Farmers$ 777
Tennessee Farmers$ 777
Texas Farm Bureau$ 779
Texas Farm Bureau$ 779
USAA$ 697
USAA$ 697
Vermont Mutual$ 838
Vermont Mutual$ 838

Compare all 2014 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 839

List Price

$ 31310

Trims Available

Work Truck - SLE - SLT - Denali

2013 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 850
Acuity$ 850
American Family$ 842
American Family$ 842
Country$ 787
Country$ 787
Erie$ 573
Erie$ 573
GEICO$ 444
GEICO$ 444
Nationwide$ 834
Nationwide$ 834
Progressive$ 679
Progressive$ 679
State Farm$ 555
State Farm$ 555
Tennessee Farmers$ 733
Tennessee Farmers$ 733
Texas Farm Bureau$ 756
Texas Farm Bureau$ 756
USAA$ 655
USAA$ 655
Vermont Mutual$ 762
Vermont Mutual$ 762

Compare all 2013 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 746

List Price

$ 29300

Trims Available

Work Truck - SLE - SLT - Denali

2012 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 790
Acuity$ 790
American Family$ 824
American Family$ 824
Country$ 753
Country$ 753
Erie$ 557
Erie$ 557
GEICO$ 424
GEICO$ 424
Nationwide$ 799
Nationwide$ 799
Progressive$ 692
Progressive$ 692
State Farm$ 534
State Farm$ 534
Tennessee Farmers$ 698
Tennessee Farmers$ 698
Texas Farm Bureau$ 741
Texas Farm Bureau$ 741
USAA$ 605
USAA$ 605
Vermont Mutual$ 700
Vermont Mutual$ 700

Compare all 2012 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 727

List Price

$ 28800

Trims Available

Work Truck - SLE - SLT - Denali

2011 GMC Sierra 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 904
Acuity$ 904
American Family$ 819
American Family$ 819
Country$ 768
Country$ 768
Erie$ 542
Erie$ 542
GEICO$ 416
GEICO$ 416
Nationwide$ 797
Nationwide$ 797
Progressive$ 677
Progressive$ 677
State Farm$ 533
State Farm$ 533
Tennessee Farmers$ 711
Tennessee Farmers$ 711
Texas Farm Bureau$ 736
Texas Farm Bureau$ 736
USAA$ 585
USAA$ 585
Vermont Mutual$ 692
Vermont Mutual$ 692

Compare all 2011 GMC Sierra 2500HD rates

Average Cost to Insure Per Year

$ 727

List Price

$ 28415

Trims Available

Work Truck - SLE - SLT - Denali