GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive costs on average $186 each year, collision costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing around $2,474. Teenage drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Sierra 3500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The ranges above demonstrate why all drivers should get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below details estimated 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 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,150
• Using low deductibles for comp and collision coverage will increase the cost to $1,338
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474 or more
• The price for full coverage for a teen driver may cost $4,630 each year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $290 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite different 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 the Best Cheap GMC Sierra 3500HD Insurance

Getting lower rates on GMC Sierra 3500HD insurance takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every other renewal by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a quick review of the concepts that were touched on above.

• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,320 more each year than a low-risk driver
• Youthful drivers pay higher prices, costing up to $386 a month including comprehensive and collision insurance
• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $300 each year
• You may be able to save as much as $130 per year simply by quoting online in advance