GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs an estimated $186 each year, collision costs $250, and liability insurance is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,474. Teens cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $100 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,150
• Selecting low deductibles will increase the cost to $1,338
• Higher-risk drivers with serious driving violations could pay up to $2,474 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,630

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on your risk profile, the model of your Sierra 3500HD, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $290 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance consists of being a good driver, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the coverage data illustrated above.

• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $386 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,320 more annually than a safer driver