GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,186 a year with full coverage. Comprehensive insurance costs on average $198, collision costs $274, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,556 or more. 16-year-old drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Analysis

The chart below details estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $715
• Using higher $1,000 deductibles will save around $108 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,186
• Buying pricier low deductibles for physical damage coverage will cost an extra $206 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,556 or more
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,746 or more

View Chart as Image

Auto insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

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 $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $320 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can be as much as 42% to 131% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different 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 More Affordable GMC Sierra 3500HD Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having good credit, being claim-free, and taking advantage of discounts. Make time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a summary of the material that was touched on in this article.

• Policyholders who require higher levels of liability will pay around $590 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Teenage drivers are charged the highest prices, possibly costing $396 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,370 more each year for auto insurance
• Increasing policy deductibles can save around $325 each year