GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs an estimated $186 a year, collision costs $250, and liability insurance is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing around $2,474. 16-year-old drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

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

These rate differences illustrate why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $698
• Raising to $1,000 deductibles will save approximately $1,050 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,150
• Buying low $100 deductibles will increase the cost to $1,338
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,474 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,630

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find prices 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 reduce prices by up to $290 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices will be substantially 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 the Cheapest GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a recap of the concepts that were touched on in this article.

• High-risk drivers that have major violations or accidents pay on average $1,320 more annually for auto insurance
• Teenage drivers are expensive to insure, with premiums being up to $386 per month including comprehensive and collision insurance
• It is possible to save approximately $130 per year simply by quoting early and online
• Increasing policy deductibles can save around $300 each year
• It is possible to save approximately $130 per year simply by quoting early and online