GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $250, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teen drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, instead of using price averages.

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

Additional Rate Details

The chart below details average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save approximately $1,050 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,150
• Choosing low $100 deductibles for physical damage coverage will cost an extra $188 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,474
• Policy cost for full coverage for a teen driver can cost as much as $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $290 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 135% more than average. View High Risk Driver Rates

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 Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $130 per year just by quoting early and online
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,320 more annually to insure their Sierra 3500HD
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teen drivers are charged the highest rates, as much as $386 each month for full coverage