GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually including full coverage. Comprehensive costs around $186 a year, collision costs $250, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,474. Teen 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 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save about $1,050 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,150
• Choosing low $100 deductibles will cost $1,338
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,474 or more
• Policy cost with full coverage for a teenage driver can be $4,630

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared 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 caused a few accidents, you are likely paying at least $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $290 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and 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 the Right GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the data that was covered in the charts and tables above.

• You may be able to save up to $130 per year simply by quoting early and online
• Consumers who may need increased liability limits will pay about $590 per year to raise from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $386 each month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,320 more every year to insure a GMC Sierra 3500HD