GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why all drivers should compare prices using their specific location and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save $100 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,150
• Using low deductibles for physical damage coverage will cost an extra $188 every year
• Drivers who are prone to accidents and violations could pay around $2,474 or more
• An auto insurance policy for full coverage for a teen driver can cost $4,630 or more

View Chart as Image

Auto insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see 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

Using high physical damage deductibles could cut prices by as much as $290 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Affordable GMC Sierra 3500HD Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the information covered above.

• It is possible to save around $130 per year simply by quoting online in advance
• Teenagers have the highest car insurance prices, with premiums being up to $386 per month if they have full coverage
• Increasing policy deductibles can save around $300 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,320 more per year for car insurance
• Policyholders who purchase higher liability limits will pay an extra $590 annually to increase from 30/60 bodily injury limits to 250/500 limits