GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, and high-risk insurance costs $2,474 or more. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save approximately $1,050 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,150
• Using low $100 deductibles for physical damage coverage will cost an extra $188 every year
• Drivers who are prone to accidents and violations could pay up to $2,474
• Policy cost for full coverage for a teen driver can cost as much as $4,630 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates 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

Using high physical damage deductibles could cut rates by as much as $290 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

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 Cheapest GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a recap of the concepts that were covered in the charts and tables above.

• Higher risk drivers that have major violations or accidents may pay on average $1,320 more annually for car insurance
• Teenagers have the highest car insurance rates, as much as $386 each month if full coverage is included
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save approximately $130 per year just by quoting early and online