GMC Sierra 3500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 3500HD are $1,186 every 12 months including full coverage. Comprehensive insurance costs on average $198, collision costs $274, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,556 or more. Teen drivers pay the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $715
• Choosing higher $1,000 deductibles can save around $108 every year
• The average price for the average middle-age driver with $500 deductibles is $1,186
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $206 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,556 or more
• The price to insure a teen driver with full coverage may cost $4,746 each year

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Insurance prices for a GMC Sierra 3500HD are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Sierra 3500HD.

Choosing high deductibles can save as much as $320 each year, while increasing your policy's liability limits will cost you more. Changing 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 could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 131% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, 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 More Affordable GMC Sierra 3500HD Insurance

Getting lower rates on GMC Sierra 3500HD insurance takes being a good driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the primary concepts that were covered above.

• You may be able to save as much as $130 per year simply by shopping early and online
• High-risk drivers who have multiple accidents or major violations may pay on average $1,370 more each year than a safer driver
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers age 16 to 20 pay higher prices, possibly costing $396 a month if full coverage is included