GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs around $186 each year, collision insurance costs $250, and liability costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs around $2,474. Teenage drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

These rate differences highlight why all drivers should compare rates for a specific zip code, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down average 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 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,150
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,474
• An auto insurance policy that insures a teen driver can be $4,630 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at least $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles could save up to $290 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

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 the Best GMC Sierra 3500HD Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief recap of the ideas that were illustrated above.

• Teenagers are expensive to insure, with the cost nearing $386 per month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,320 more every year for car insurance
• Increasing policy deductibles can save approximately $300 each year
• You may be able to save up to $130 per year just by quoting online in advance