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 an estimated $186 each year, collision costs $250, and liability insurance is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save approximately $100 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,150
• Using low deductibles costs an additional $188 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,474 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,630

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 liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $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 $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $290 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Cheapest GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance consists of being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to shop around every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the coverage data illustrated above.

• It is possible to save approximately $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Teen drivers are charged the highest rates, possibly costing $386 each month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents may pay on average $1,320 more annually to insure their Sierra 3500HD