GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs around $186 a year, collision costs $250, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,474 or more. Teen drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save about $1,050 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,150
• Choosing low $100 deductibles will cost an additional $188 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,474 or more
• Policy cost that insures a teenage driver can be $4,630

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level of your Sierra 3500HD, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $290 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 cheaper rates on auto insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every couple of years by quoting rates from direct carriers, and also from several local insurance agents.

The following items are a summary of the material that was covered in the charts and tables above.

• Consumers who may need additional liability coverage will pay about $590 each year to raise from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, costing up to $386 each month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations pay on average $1,320 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $300 each year