GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs approximately $186, collision costs $250, and liability insurance is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,474. 16-year-old drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location and risk profile, rather than relying on rate 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 additional coverage and risk scenarios.

• The best full coverage rate is $698
• Raising to $1,000 deductibles will save $100 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Buying pricier low deductibles will increase the cost to $1,338
• Higher-risk drivers with multiple tickets or accidents could pay around $2,474 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $4,630

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $290 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,400 to $1,900 additional every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers is expensive and can cost anywhere from 41% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied 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 cheaper rates on GMC Sierra 3500HD insurance consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief review of the data presented in the illustrations above.

• Drivers who purchase increased liability limits will pay around $590 per year to raise from a 30/60 limit to 250/500 limits
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $386 each month including comprehensive and collision insurance