GMC Sierra 3500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually for full coverage insurance. Comprehensive insurance costs around $186, collision costs $250, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, with coverage for high-risk drivers costing $2,474 or more. Teenage drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay about $100 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,150
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $188 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,474 or more
• The price with full coverage for a teen driver with full coverage can be $4,630 a year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $1,900 extra each 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

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

The state you live in makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite 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.

How to Buy Cheap GMC Sierra 3500HD Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data touched on above.

• Policyholders who may need more liability protection will pay an extra $590 annually to go from a low limit to higher 250/500 limits
• It is possible to save up to $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $300 each year
• Youthful drivers pay higher prices, as much as $386 a month including comprehensive and collision insurance