GMC Sierra 3500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage insurance. Comprehensive costs around $186, collision costs $250, and liability costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing around $2,474. 16-year-old drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates for individual coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using rate averages.

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

More Rate Information

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $698
• Using higher $1,000 deductibles will save about $100 each year
• The average price for the average middle-age driver using $500 deductibles is $1,150
• Buying more expensive low deductibles for physical damage coverage increases the price to $1,338
• Drivers with multiple tickets or accidents could pay at least $2,474 or more
• The price to insure a teen driver with full coverage can be $4,630 or more

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Insurance prices for a GMC Sierra 3500HD are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles could cut prices by as much as $290 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so the prices may be quite different.

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 Shop for Affordable GMC Sierra 3500HD Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the data touched on in this article.

• Policyholders who may need higher liability limits will pay around $590 annually to increase from a low limit to a 250/500 level
• It is possible to save up to $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $300 each year
• Teens pay higher prices, as much as $386 a month if they have full coverage