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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Estimated auto insurance rates for a GMC Sierra 3500HD are $1,186 annually for full coverage insurance. Comprehensive insurance costs approximately $198 each year, collision costs $274, and liability costs around $534. A policy with only liability insurance costs as low as $588 a year, with a high-risk policy costing $2,556 or more. Teenage drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Comprehensive $198
Collision $274
Liability $534

Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a GMC Sierra 3500HD go from as cheap as $588 for basic liability insurance to a high rate of $2,556 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance prices.

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

These rate differences illustrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based 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.

Rate Comparisons

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

  • The best discount rate is $715
  • Using higher $1,000 deductibles will save $108 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,186
  • Using low deductibles for physical damage coverage costs an additional $206 annually
  • High-risk insureds who are prone to accidents and violations could pay around $2,556 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can cost $4,746 or more

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

Car insurance prices for a GMC Sierra 3500HD also have a wide range based on the model of your Sierra 3500HD, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $320 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see prices as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,600 on average in Florida, New York, and Michigan.

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

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different 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 better rates on insurance for a GMC Sierra 3500HD requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a review of the primary concepts that were touched on in this article.

  • It is possible to save around $130 per year simply by quoting online in advance
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,370 more per year for Sierra 3500HD insurance
  • Increasing policy deductibles could save up to $325 each year
  • Teens pay the highest auto insurance prices, with premiums being up to $396 per month if comprehensive and collision insurance is included

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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