GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $250, and liability coverage costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teens pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

The ranges above show why it is important to compare prices for a targeted area and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below shows average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Using higher $1,000 deductibles will save approximately $1,050 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,150
• Selecting low $100 deductibles for physical damage coverage will cost an extra $188 each year
• Higher-risk drivers with serious driving violations could pay up to $2,474
• The price for full coverage for a teenage driver can cost as much as $4,630 or more

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Insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the trim level of your Sierra 3500HD, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $290 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be around 41% to 135% more than the average policy. View High Risk Driver Rates

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 the Right GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a quick rundown of the primary concepts that were touched on above.

• Drivers can save approximately $130 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions pay an average of $1,320 more annually to insure a GMC Sierra 3500HD
• Increasing physical damage deductibles can save around $300 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $386 a month including comprehensive and collision insurance