GMC Sierra 2500HD Insurance Cost
Full coverage for a GMC Sierra 2500HD costs about $1,320 a year ($110/month) by our estimate — ▼ −17% versus the average vehicle.
GMC Sierra 2500HD insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2005 model year. Our vehicle data covers the 2005–2005 model years of the GMC Sierra 2500HD, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $645 | $54 | $530–$760 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $935 | $78 | $765–$1,105 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,320 | $110 | $1,085–$1,560 |
What drives the cost of insuring a GMC Sierra 2500HD
HLDI does not publish loss results for the GMC Sierra 2500HD, so our estimate uses the typical losses of its segment (Heavy-duty pickup): 1.05× average for liability, 1.08× for collision and 1.15× for comprehensive.
- Repair and parts costs: Heavy-duty pickup — mainstream parts availability keeps repairs moderate.
GMC Sierra 2500HD trims and configurations (2005)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Sierra 2500 HD 2WD CNG | RWD | 6.0L 8-cyl CNG | 9 |
| Sierra 2500 HD 4WD CNG | 4WD/AWD | 6.0L 8-cyl CNG | 9 |
| Sierra 2500 Hd 2WD | RWD | 6.0L 8-cyl | 11 |
GMC Sierra 2500HD insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2005 | 6.0L 8-cyl, 6.0L 8-cyl CNG | 4WD/AWD, RWD | 9–11 | $1,320 |
GMC Sierra 2500HD insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,115 | $505 | −16% |
| Alaska | $1,145 | $655 | −13% |
| Arizona | $1,400 | $695 | +6% |
| Arkansas | $1,105 | $470 | −16% |
| California | $1,255 | $600 | −5% |
| Colorado | $1,480 | $685 | +12% |
| Connecticut | $1,445 | $745 | +9% |
| Delaware | $1,555 | $840 | +18% |
| District of Columbia | $1,640 | $780 | +24% |
| Florida | $2,030 | $1,135 | +54% |
| Georgia | $1,715 | $915 | +30% |
| Hawaii | $880 | $455 | −33% |
| Idaho | $885 | $420 | −33% |
| Illinois | $1,120 | $525 | −15% |
| Indiana | $920 | $425 | −30% |
| Iowa | $840 | $325 | −36% |
| Kansas | $1,005 | $425 | −24% |
| Kentucky | $1,120 | $555 | −15% |
| Louisiana | $1,850 | $830 | +40% |
| Maine | $815 | $445 | −38% |
| Maryland | $1,505 | $790 | +14% |
| Massachusetts | $1,285 | $620 | −3% |
| Michigan | $1,415 | $805 | +7% |
| Minnesota | $1,065 | $495 | −19% |
| Mississippi | $1,230 | $555 | −7% |
| Missouri | $1,175 | $535 | −11% |
| Montana | $995 | $415 | −25% |
| Nebraska | $1,005 | $425 | −24% |
| Nevada | $1,625 | $910 | +23% |
| New Hampshire | $915 | $420 | −31% |
| New Jersey | $1,675 | $980 | +27% |
| New Mexico | $1,165 | $545 | −12% |
| New York | $1,845 | $975 | +40% |
| North Carolina | $925 | $470 | −30% |
| North Dakota | $770 | $290 | −42% |
| Ohio | $920 | $425 | −30% |
| Oklahoma | $1,140 | $495 | −14% |
| Oregon | $1,240 | $655 | −6% |
| Pennsylvania | $1,110 | $445 | −16% |
| Rhode Island | $1,645 | $860 | +25% |
| South Carolina | $1,470 | $770 | +11% |
| South Dakota | $915 | $330 | −31% |
| Tennessee | $1,055 | $475 | −20% |
| Texas | $1,530 | $725 | +16% |
| Utah | $1,245 | $685 | −6% |
| Vermont | $800 | $335 | −39% |
| Virginia | $1,130 | $660 | −14% |
| Washington | $1,190 | $620 | −10% |
| West Virginia | $1,055 | $460 | −20% |
| Wisconsin | $875 | $390 | −34% |
| Wyoming | $935 | $340 | −29% |
GMC Sierra 2500HD insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,775 | $2,570 | $3,635 | $303 |
| Young adult (22) | $1,030 | $1,495 | $2,115 | $176 |
| Adult in their 30s | $645 | $935 | $1,320 | $110 |
| Adult in their 50s | $595 | $860 | $1,215 | $101 |
| Senior (72) | $720 | $1,045 | $1,480 | $123 |
| 30s, one at-fault accident | $935 | $1,355 | $1,915 | $160 |
| 30s, DUI on record | $1,190 | $1,730 | $2,445 | $204 |
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Frequently asked questions
How much is insurance for a GMC Sierra 2500HD?
We estimate about $1,320 a year ($110 a month) for full coverage and $645 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 17% less than the average vehicle.
Which state is cheapest to insure a GMC Sierra 2500HD?
North Dakota has the lowest estimate (about $770 a year for full coverage) and Florida the highest (about $2,030).
How much is GMC Sierra 2500HD insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,635 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.