GMC Sierra 3500HD Insurance Rates

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Compare 2010 GMC Sierra 3500HD Insurance Rates in 2025

Looking for the cheapest insurance coverage rates for your GMC Sierra 3500HD? Are you irritated from paying out the nose to pay insurance coverage each month? Your situation is no different than many other drivers. Online insurance companies like GEICO, Progressive and Allstate constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 16, 2024

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The average auto insurance rates for a GMC Sierra 3500HD are $1,186 annually for full coverage. Comprehensive insurance costs around $198, collision costs $274, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,556 or more. Teenage drivers cost the most to insure at $4,746 a year or more.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Comprehensive $198
Collision $274
Liability $534

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Sierra 3500HD trim levels.

Price Range Variability

Using a middle-aged driver as an example, GMC Sierra 3500HD insurance rates go from as cheap as $588 for the bare minimum liability coverage to a much higher rate of $2,556 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $1,186
High Risk $2,556

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

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

  • The best discount rate is $715
  • Drivers who choose higher $1,000 deductibles will pay about $108 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,186
  • Using more expensive low deductibles for comprehensive and collision insurance costs an additional $206 a year
  • High risk drivers who are prone to accidents and violations could pay at least $2,556 or more
  • Policy cost with full coverage for a teen driver with full coverage can be $4,746 a year

View Chart as Image

GMC Sierra 3500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 3500HD insurance prices range from $715 to $4,746

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $320 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,690 on average in Michigan, Louisiana, and New York.

GMC Sierra 3500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,074 -$112 -9.4%
Alaska $910 -$276 -23.3%
Arizona $986 -$200 -16.9%
Arkansas $1,186 -$0 0.0%
California $1,354 $168 14.2%
Colorado $1,132 -$54 -4.6%
Connecticut $1,220 $34 2.9%
Delaware $1,342 $156 13.2%
Florida $1,486 $300 25.3%
Georgia $1,098 -$88 -7.4%
Hawaii $852 -$334 -28.2%
Idaho $804 -$382 -32.2%
Illinois $882 -$304 -25.6%
Indiana $898 -$288 -24.3%
Iowa $802 -$384 -32.4%
Kansas $1,126 -$60 -5.1%
Kentucky $1,618 $432 36.4%
Louisiana $1,758 $572 48.2%
Maine $734 -$452 -38.1%
Maryland $980 -$206 -17.4%
Massachusetts $948 -$238 -20.1%
Michigan $2,060 $874 73.7%
Minnesota $994 -$192 -16.2%
Mississippi $1,424 $238 20.1%
Missouri $1,052 -$134 -11.3%
Montana $1,276 $90 7.6%
Nebraska $936 -$250 -21.1%
Nevada $1,426 $240 20.2%
New Hampshire $856 -$330 -27.8%
New Jersey $1,328 $142 12.0%
New Mexico $1,052 -$134 -11.3%
New York $1,250 $64 5.4%
North Carolina $684 -$502 -42.3%
North Dakota $972 -$214 -18.0%
Ohio $818 -$368 -31.0%
Oklahoma $1,218 $32 2.7%
Oregon $1,088 -$98 -8.3%
Pennsylvania $1,132 -$54 -4.6%
Rhode Island $1,582 $396 33.4%
South Carolina $1,076 -$110 -9.3%
South Dakota $1,004 -$182 -15.3%
Tennessee $1,038 -$148 -12.5%
Texas $1,428 $242 20.4%
Utah $878 -$308 -26.0%
Vermont $814 -$372 -31.4%
Virginia $708 -$478 -40.3%
Washington $916 -$270 -22.8%
West Virginia $1,088 -$98 -8.3%
Wisconsin $822 -$364 -30.7%
Wyoming $1,056 -$130 -11.0%

View Chart as Image

GMC Sierra 3500HD insurance rates by U.S. city

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the 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.

GMC Sierra 3500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Sierra 3500HD $358 $630 $440 $1,608
2023 GMC Sierra 3500HD $344 $626 $450 $1,600
2022 GMC Sierra 3500HD $332 $610 $470 $1,592
2021 GMC Sierra 3500HD $320 $586 $486 $1,572
2019 GMC Sierra 3500HD $292 $524 $510 $1,506
2018 GMC Sierra 3500HD $280 $494 $514 $1,468
2017 GMC Sierra 3500HD $268 $442 $520 $1,410
2016 GMC Sierra 3500HD $250 $408 $520 $1,358
2015 GMC Sierra 3500HD $242 $382 $524 $1,328
2014 GMC Sierra 3500HD $236 $356 $534 $1,306
2013 GMC Sierra 3500HD $218 $330 $534 $1,262
2012 GMC Sierra 3500HD $212 $300 $540 $1,232
2011 GMC Sierra 3500HD $198 $274 $534 $1,186
2010 GMC Sierra 3500HD $186 $250 $534 $1,150

Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Low Cost GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a review of the ideas that were touched on in the above illustrations.

  • Drivers age 16 to 20 pay higher rates, costing up to $396 each month including comprehensive and collision insurance
  • High-risk drivers who have several accidents or serious violations pay an average of $1,370 more every year than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $325 each year
  • Drivers can save up to $130 per year simply by shopping early and online

Rates by Driver Age

GMC Sierra 3500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,746
20 $2,716
30 $1,210
40 $1,186
50 $1,090
60 $1,068

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,392
$250 $1,298
$500 $1,186
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,186
50/100 $1,213
100/300 $1,331
250/500 $1,639
100 CSL $1,260
300 CSL $1,521
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 3500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,700
20 $4,328
30 $2,580
40 $2,556
50 $2,446
60 $2,420

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $74
5-yr Claim Free $75
Paid in Full/EFT $44
Advance Quote $53
Online Quote $80
Total Discounts $471
Rate after discounts $715

Discounts are estimated and may not be available from every company or in every state.

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