GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive costs approximately $186 each year, collision costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,474. 16-year-old drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Sierra 3500HD models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $698
• Using higher $1,000 deductibles will save $100 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,150
• Buying low deductibles for physical damage coverage will increase the cost to $1,338
• High-risk insureds with multiple tickets or accidents could pay around $2,474 or more
• The cost for full coverage for a 16-year-old driver can cost $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $290 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be from 41% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different 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 Low Cost GMC Sierra 3500HD Insurance

Saving money on insurance for a GMC Sierra 3500HD requires having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least every other year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,320 more per year than a driver with a clean driving record
• You may be able to save around $130 per year simply by quoting online in advance
• Increasing deductibles can save around $300 each year
• Insureds who purchase additional liability coverage will pay around $590 every year to increase from a minimum limit to 250/500 limits