GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have fewer accident claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay around $100 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,150
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,338
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474
• The price with full coverage for a teenage driver with full coverage may cost $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 driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

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

The state you live in makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 the Cheapest GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a recap of the data touched on in this article.

• Consumers who require higher liability limits will pay an extra $590 each year to go from a low limit to higher 250/500 limits
• Drivers can save as much as $130 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $300 each year
• Teenagers pay higher prices, with premiums as much as $386 a month if they have full coverage