GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save around $100 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,150
• Using low deductibles for physical damage coverage costs an additional $188 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474
• Policy cost with full coverage for a 16-year-old driver may cost $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $290 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

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 Buy the Best GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD requires avoiding accidents and violations, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the car insurance concepts illustrated above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,320 more each year for car insurance
• It is possible to save as much as $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Insureds who require higher liability limits will pay an extra $590 annually to increase from a 30/60 limit to higher 250/500 limits