GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs an estimated $186 each year, collision costs $250, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,474. 16-year-old drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, instead of using rate averages.

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

More Rate Details

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save approximately $100 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,150
• Buying low deductibles for comp and collision coverage will increase the cost to $1,338
• Unlucky drivers with multiple tickets or accidents could pay up to $2,474 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,630 each year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $290 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied 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 Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the material that was raised in the charts and tables above.

• Policyholders who want higher liability limits will pay around $590 annually to raise limits from a 30/60 limit to 250/500 limits
• Teenagers have the highest car insurance rates, possibly costing $386 each month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,320 more annually for car insurance
• Increasing comprehensive and collision deductibles can save around $300 each year