GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive insurance costs an estimated $186 each year, collision costs $250, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,474 or more. Teenage 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:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,150
• Using low deductibles for comprehensive and collision insurance will cost an additional $188 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,474 or more
• Policy cost that insures a teenage driver can cost as much as $4,630 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $290 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied.

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

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a summary of the car insurance concepts touched on in this article.

• Drivers who have multiple accidents or major violations could be charged and average of $1,320 more annually for Sierra 3500HD insurance
• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Consumers who want higher liability limits will pay an extra $590 per year to go from a 30/60 limit to the 250/500 level