GMC Sierra 3500HD Insurance Rates

The average 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 insurance costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing around $2,474. Teens cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to compare prices using their specific location, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $698
• Using higher $1,000 deductibles will save $1,050 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,150
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,338
• Drivers with serious driving violations could pay around $2,474 or more
• Policy cost that insures a teen driver can cost $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level of your Sierra 3500HD, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see rates 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 could cut rates by as much as $290 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the 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 More Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at every other renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

The following is a summary of the concepts that were covered in the above illustrations.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,320 more per year for Sierra 3500HD insurance
• Teens are expensive to insure, costing up to $386 each month if full coverage is included
• Drivers can save around $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers can save around $130 per year simply by quoting early and online