GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs an estimated $186, 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. Teen 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:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

The examples above show why everyone should compare rates for a targeted area and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,150
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $188 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,474 or more
• Policy cost for full coverage for a teenage driver for full coverage 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 your risk profile, the trim level of your Sierra 3500HD, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers 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 $760 a year in states like Iowa, Maine, and Idaho, or as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $290 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,400 to $1,900 additional every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can cost around 41% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and rates will be varied 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 Low Cost GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a review of the coverage data presented in the illustrations above.

• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teenage drivers are expensive to insure, costing up to $386 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay an average of $1,320 more annually for auto insurance