GMC Sierra 3500HD Insurance Rates

Average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months with full coverage. Comprehensive costs approximately $186 a year, collision costs $250, and liability insurance costs $534. A liability-only policy costs as little as $588 a year, with high-risk insurance costing around $2,474. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities.

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

These examples demonstrate why it is important to compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay $1,050 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,150
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,338
• High risk drivers who are prone to accidents and violations could pay around $2,474 or more
• The cost to insure a teen driver can cost $4,630 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $290 each year, while buying higher liability limits will push rates upward. Moving 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 could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every 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 Cheaper GMC Sierra 3500HD Insurance

Saving money on GMC Sierra 3500HD insurance not only requires being safe and accident-free, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the concepts that were raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,320 more per year than a low-risk driver
• Youthful drivers are expensive to insure, with premiums as much as $386 per month if they have full coverage
• You may be able to save around $130 per year simply by quoting early and online
• Increasing deductibles could save as much as $300 each year
• You may be able to save around $130 per year simply by quoting early and online