GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive costs approximately $186 a year, collision costs $250, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,474. Teens pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to compare rates quotes using their specific location and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save $1,050 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,150
• Selecting low $100 deductibles will increase the cost to $1,338
• Unlucky drivers with serious driving violations could pay around $2,474 or more
• An auto insurance policy for full coverage for a teenage driver can cost $4,630

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find prices as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $290 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, so the prices will be substantially 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 Cheaper GMC Sierra 3500HD Insurance

Finding better rates on auto insurance consists of being a low-risk driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the car insurance concepts touched on above.

• Drivers with multiple at-fault accidents may pay on average $1,320 more per year to insure their Sierra 3500HD
• Drivers can save around $130 per year simply by quoting early and online
• Increasing policy deductibles can save around $300 each year
• Consumers who purchase more liability coverage will pay approximately $590 each year to raise from 30/60 bodily injury limits to 250/500 limits