GMC Sierra 3500HD Insurance Rates

Average insurance prices for a GMC Sierra 3500HD are $1,186 every 12 months including full coverage. Comprehensive costs an estimated $198 a year, collision costs $274, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,556. Teenage drivers receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $715
• Raising to $1,000 deductibles will save approximately $1,078 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,186
• Using low $100 deductibles increases the price to $1,392
• Drivers who are prone to accidents and violations could pay up to $2,556 or more
• The cost to insure a 16-year-old driver can cost as much as $4,746

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $320 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

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 Shop for More Affordable GMC Sierra 3500HD Insurance

Saving money on insurance for a GMC Sierra 3500HD consists of avoiding accidents and violations, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at every policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a summary of the data raised in the charts and tables above.

• Insureds who want higher liability limits will pay an extra $590 per year to raise from a minimum limit to a 250/500 level
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing deductibles could save as much as $325 each year
• Teenagers are charged the highest rates, as much as $396 per month if they have full coverage