GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive insurance costs around $186 a year, collision costs $250, and liability coverage costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teen drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples highlight why it is important to compare prices for a specific zip code, rather than using price averages.

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

Additional Rate Analysis

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save about $1,050 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,150
• Choosing low $100 deductibles for physical damage coverage will cost an additional $188 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,474 or more
• The cost that insures a teenage driver can be $4,630 or more

View Chart as Image

Auto insurance rates for a GMC Sierra 3500HD can also vary considerably based on the trim level of your Sierra 3500HD, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 41% to 135% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $290 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and quoted 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 Find More Affordable GMC Sierra 3500HD Insurance

Saving money on auto insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Shop around every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a summary of the material that was presented in the illustrations above.

• Consumers who may need increased liability limits will pay about $590 per year to increase from a minimum limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, as much as $386 per month if the policy includes full coverage
• Drivers who have multiple accidents or major violations may have to pay on average $1,320 more every year to insure a GMC Sierra 3500HD
• Increasing deductibles can save approximately $300 each year