GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually with full coverage. Comprehensive insurance costs on average $186, collision costs $250, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,474 or more. Teens cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

The examples above demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save around $100 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,150
• Selecting pricier low deductibles for comp and collision coverage costs an additional $188 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,474 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,630 each year

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers ranges from 41% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

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 $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates will be varied between companies.

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 Buy Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD takes being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the material that was covered in the charts and tables above.

• Insureds who require higher levels of liability will pay approximately $590 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenage drivers are charged the highest rates, as much as $386 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,320 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $300 each year