GMC Sierra 3500HD Insurance Rates

The average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months with full coverage. Comprehensive costs around $186, collision costs $250, and liability is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing around $2,474. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The best discount rate is $698
• Raising to $1,000 deductibles will save about $100 annually
• The average price for a good driver age 40 using $500 deductibles is $1,150
• Using more expensive low deductibles increases the price to $1,338
• Drivers who are prone to accidents and violations could pay at least $2,474 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $4,630

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $290 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,550 on average in Florida, Michigan, and New York.

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Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted 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 Shop for the Right GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD consists of avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The list below is a quick rundown of the ideas that were covered above.

• Teenagers are expensive to insure, as much as $386 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,320 more every year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save up to $130 per year simply by shopping early and online