GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive insurance costs on average $186 a year, collision insurance costs $250, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs $2,474 or more. Teen drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down average GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay around $1,050 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,150
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $188 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,474
• Policy cost that insures a teen driver may cost $4,630 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $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 $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

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

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 the Best GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance not only requires being safe and accident-free, but also having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a brief recap of the data illustrated above.

• Drivers who require more liability protection will pay about $590 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Youthful drivers pay higher rates, with premiums being up to $386 each month if comprehensive and collision insurance is included