GMC Sierra 3500HD Insurance Rates

Average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months including full coverage. Comprehensive costs an estimated $186, collision insurance costs $250, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs around $2,474. Teenage drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,150
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,474
• The cost to insure a teen driver with full coverage can cost as much as $4,630 a year

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Insurance rates for a GMC Sierra 3500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $290 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance can cost as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.

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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 Shop for Cheap GMC Sierra 3500HD Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a brief summary of the coverage data touched on above.

• You may be able to save approximately $130 per year just by shopping early and online
• Increasing deductibles could save as much as $300 each year
• Teenagers are expensive to insure, as much as $386 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,320 more annually for car insurance