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 approximately $186, collision costs $250, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,474 or more. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save $100 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Using more expensive low deductibles will cost an extra $188 annually
• Drivers who are prone to accidents and violations could pay around $2,474 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,630

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $290 annually, while increasing your policy's liability limits will push rates upward. Going 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 could be paying anywhere from $1,400 to $1,900 extra every year, 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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 the Right GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick rundown of the data that was presented in the illustrations above.

• Drivers can save around $130 per year simply by shopping early and online
• Insureds who purchase additional liability coverage will pay an extra $590 each year to raise from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $386 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,320 more per year than a driver with a clean driving record