GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive costs approximately $186, collision insurance costs $250, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,474. Teenage drivers pay the most at up to $4,630 a year.
Average premium for full coverage: $1,150
Premium estimates by type of coverage:
Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Sierra 3500HD trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a GMC Sierra 3500HD range from as low as $588 for just liability coverage to a much higher rate of $2,474 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $698
- Drivers who choose higher $1,000 deductibles will pay $100 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,150
- Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,338
- Drivers who are prone to accidents and violations could pay around $2,474
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $4,630 a year
Insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the trim level of your Sierra 3500HD, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
Where you choose to live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$110 | -9.6% |
| Alaska | $884 | -$266 | -23.1% |
| Arizona | $954 | -$196 | -17.0% |
| Arkansas | $1,150 | -$0 | 0.0% |
| California | $1,310 | $160 | 13.9% |
| Colorado | $1,096 | -$54 | -4.7% |
| Connecticut | $1,182 | $32 | 2.8% |
| Delaware | $1,302 | $152 | 13.2% |
| Florida | $1,440 | $290 | 25.2% |
| Georgia | $1,062 | -$88 | -7.7% |
| Hawaii | $824 | -$326 | -28.3% |
| Idaho | $778 | -$372 | -32.3% |
| Illinois | $856 | -$294 | -25.6% |
| Indiana | $868 | -$282 | -24.5% |
| Iowa | $776 | -$374 | -32.5% |
| Kansas | $1,092 | -$58 | -5.0% |
| Kentucky | $1,568 | $418 | 36.3% |
| Louisiana | $1,704 | $554 | 48.2% |
| Maine | $712 | -$438 | -38.1% |
| Maryland | $950 | -$200 | -17.4% |
| Massachusetts | $920 | -$230 | -20.0% |
| Michigan | $1,994 | $844 | 73.4% |
| Minnesota | $962 | -$188 | -16.3% |
| Mississippi | $1,378 | $228 | 19.8% |
| Missouri | $1,020 | -$130 | -11.3% |
| Montana | $1,234 | $84 | 7.3% |
| Nebraska | $908 | -$242 | -21.0% |
| Nevada | $1,380 | $230 | 20.0% |
| New Hampshire | $830 | -$320 | -27.8% |
| New Jersey | $1,286 | $136 | 11.8% |
| New Mexico | $1,018 | -$132 | -11.5% |
| New York | $1,210 | $60 | 5.2% |
| North Carolina | $664 | -$486 | -42.3% |
| North Dakota | $942 | -$208 | -18.1% |
| Ohio | $792 | -$358 | -31.1% |
| Oklahoma | $1,180 | $30 | 2.6% |
| Oregon | $1,054 | -$96 | -8.3% |
| Pennsylvania | $1,096 | -$54 | -4.7% |
| Rhode Island | $1,534 | $384 | 33.4% |
| South Carolina | $1,044 | -$106 | -9.2% |
| South Dakota | $972 | -$178 | -15.5% |
| Tennessee | $1,006 | -$144 | -12.5% |
| Texas | $1,384 | $234 | 20.3% |
| Utah | $850 | -$300 | -26.1% |
| Vermont | $788 | -$362 | -31.5% |
| Virginia | $688 | -$462 | -40.2% |
| Washington | $886 | -$264 | -23.0% |
| West Virginia | $1,054 | -$96 | -8.3% |
| Wisconsin | $796 | -$354 | -30.8% |
| Wyoming | $1,024 | -$126 | -11.0% |
Using high physical damage deductibles could save up to $290 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,026 | $86 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,222 | $102 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,064 | $89 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,082 | $90 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2023 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2022 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2021 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
| 2019 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2018 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2017 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2016 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2015 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2014 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2013 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2012 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2011 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
| 2010 GMC Sierra 3500HD | $180 | $224 | $530 | $1,114 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost GMC Sierra 3500HD Insurance
Finding better rates on insurance for a GMC Sierra 3500HD not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a review of the data that was covered in the charts and tables above.
- Drivers can save around $130 per year just by shopping early and online
- Insureds who purchase more liability coverage will pay an extra $590 each year to go from 30/60 bodily injury limits to 250/500 limits
- Teen drivers are expensive to insure, as much as $386 per month for full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,320 more per year to insure their Sierra 3500HD
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,150 |
| 50 | $1,056 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,254 |
| $500 | $1,150 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,150 |
| 50/100 | $1,177 |
| 100/300 | $1,295 |
| 250/500 | $1,603 |
| 100 CSL | $1,224 |
| 300 CSL | $1,485 |
| 500 CSL | $1,675 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,526 |
| 20 | $4,190 |
| 30 | $2,496 |
| 40 | $2,474 |
| 50 | $2,368 |
| 60 | $2,342 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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