GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay about $100 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,150
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• Drivers with multiple violations and an at-fault accident could pay at least $2,474 or more
• Policy cost that insures a 16-year-old driver for full coverage can be $4,630 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model of your Sierra 3500HD, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $1,900 additional every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can cost from 41% to 135% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $290 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates will be varied.

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 Right GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and taking advantage of discounts. Shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the data covered above.

• Insureds who may need higher liability limits will pay about $590 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teens are charged the highest rates, possibly costing $386 each month if comprehensive and collision insurance is included