GMC Sierra 3500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $186, collision costs $250, and liability coverage is $534. Buying just liability costs around $588 a year, with insurance 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 broken down by individual coverage:

Includes $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save approximately $100 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,150
• Using more expensive low deductibles costs an extra $188 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,474 or more
• The price to insure a teenage driver with full coverage can cost as much as $4,630

View Chart as Image

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

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

An older driver with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite 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 the Cheapest GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a recap of the primary concepts that were illustrated above.

• It is possible to save approximately $130 per year simply by shopping early and online
• Drivers that have major violations or accidents could be forced to pay on average $1,320 more annually to buy GMC Sierra 3500HD insurance
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers age 20 and younger are expensive to insure, as much as $386 a month if full coverage is included