GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive costs on average $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 pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save around $100 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,150
• Using more expensive low deductibles bumps up the cost to $1,338
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage may cost $4,630

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,400 to $1,900 additional annually, 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

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find prices as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $290 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

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 More Affordable GMC Sierra 3500HD Insurance

Finding better rates on insurance for a GMC Sierra 3500HD consists of being a low-risk driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more each year to insure their Sierra 3500HD
• Teen drivers pay higher prices, as much as $386 per month if comprehensive and collision insurance is included
• Drivers can save as much as $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $300 each year
• Drivers can save as much as $130 per year simply by shopping early and online