GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive costs approximately $186 a year, collision costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing around $2,474. Teens pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above show why it is important to get quotes using their specific location, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save $1,050 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,150
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,338
• High-risk insureds with serious driving violations could pay around $2,474 or more
• The price that insures a teen driver can cost $4,630 each year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level of your Sierra 3500HD, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, and 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 Find More Affordable GMC Sierra 3500HD Insurance

Getting lower rates on GMC Sierra 3500HD insurance takes not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.

The following is a summary of the information touched on above.

• Drivers can save around $130 per year simply by quoting early and online
• Teens are the costliest to insure, with premiums as much as $386 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $300 each year
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,320 more per year for Sierra 3500HD insurance
• Drivers who purchase higher liability limits will pay approximately $590 each year to raise limits from a low limit to the 250/500 level