GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually with full coverage. Comprehensive costs an estimated $186 a year, collision costs $250, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk 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 broken down by type of insurance:

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $1,050 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage will cost $1,338
• Unlucky drivers who are prone to accidents and violations could pay up to $2,474 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,630 each year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as little 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 be charged at least $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 $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes 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 the Right GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the ideas that were raised in the charts and tables above.

• Teenage drivers have the highest car insurance rates, as much as $386 each month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,320 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• You may be able to save approximately $130 per year simply by quoting early and online