GMC Sierra 3500HD Insurance Rates

The average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months including full coverage. Comprehensive costs around $186, collision insurance costs $250, and liability insurance is $534. A liability-only policy costs around $588 a year, and high-risk insurance costs around $2,474. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all 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 insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

The examples above highlight why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

More Rate Information

The chart below breaks down average GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The best discount rate is $698
• Raising to $1,000 deductibles will save about $100 every year
• The average price for a good driver age 40 using $500 deductibles is $1,150
• Using pricier low deductibles increases the price to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,474
• Policy cost to insure a teen driver for full coverage can be $4,630

View Chart as Image

Car insurance rates for a GMC Sierra 3500HD also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $290 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher 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, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers is expensive and can cost anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

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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 Low Cost GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a review of the data illustrated above.

• Drivers who may need increased levels of liability coverage will pay an extra $590 per year to raise from a 30/60 limit to a 250/500 level
• You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $386 each month if the policy includes full coverage