GMC Sierra 3500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months including full coverage. Comprehensive insurance costs on average $186, collision insurance costs $250, and liability coverage is estimated at $534. A policy with only liability insurance costs approximately $588 a year, and a high-risk policy costs $2,474 or more. Teenage drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save around $100 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,150
• Using more expensive low deductibles for comp and collision coverage costs an extra $188 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,474
• An auto insurance policy to insure a teenage driver with full coverage may cost $4,630 each year

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

Using high physical damage deductibles can save as much as $290 a 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 cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance ranges around 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

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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 the Right GMC Sierra 3500HD Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a quick rundown of the data covered in the above illustrations.

• Consumers who require increased liability limits will pay an extra $590 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• You may be able to save as much as $130 per year just by shopping early and online
• Increasing policy deductibles could save as much as $300 each year
• Drivers under the age of 20 are expensive to insure, with the cost nearing $386 per month if the policy includes full coverage