GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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Average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months including full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $250, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teenage drivers receive the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,150
Rate estimates by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $588 for your basic liability-only policy to a much higher rate of $2,474 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down average GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $698
- Using higher $1,000 deductibles will save $100 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,150
- Using more expensive low deductibles for physical damage coverage costs an extra $188 every year
- Drivers who are prone to accidents and violations could pay around $2,474
- The cost to insure a teen driver with full coverage can cost $4,630 or more
Auto insurance rates for a GMC Sierra 3500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Sierra 3500HD.
Using high physical damage deductibles could cut rates by as much as $290 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$110 | -9.6% |
| Alaska | $884 | -$266 | -23.1% |
| Arizona | $954 | -$196 | -17.0% |
| Arkansas | $1,150 | -$0 | 0.0% |
| California | $1,310 | $160 | 13.9% |
| Colorado | $1,096 | -$54 | -4.7% |
| Connecticut | $1,182 | $32 | 2.8% |
| Delaware | $1,302 | $152 | 13.2% |
| Florida | $1,440 | $290 | 25.2% |
| Georgia | $1,062 | -$88 | -7.7% |
| Hawaii | $824 | -$326 | -28.3% |
| Idaho | $778 | -$372 | -32.3% |
| Illinois | $856 | -$294 | -25.6% |
| Indiana | $868 | -$282 | -24.5% |
| Iowa | $776 | -$374 | -32.5% |
| Kansas | $1,092 | -$58 | -5.0% |
| Kentucky | $1,568 | $418 | 36.3% |
| Louisiana | $1,704 | $554 | 48.2% |
| Maine | $712 | -$438 | -38.1% |
| Maryland | $950 | -$200 | -17.4% |
| Massachusetts | $920 | -$230 | -20.0% |
| Michigan | $1,994 | $844 | 73.4% |
| Minnesota | $962 | -$188 | -16.3% |
| Mississippi | $1,378 | $228 | 19.8% |
| Missouri | $1,020 | -$130 | -11.3% |
| Montana | $1,234 | $84 | 7.3% |
| Nebraska | $908 | -$242 | -21.0% |
| Nevada | $1,380 | $230 | 20.0% |
| New Hampshire | $830 | -$320 | -27.8% |
| New Jersey | $1,286 | $136 | 11.8% |
| New Mexico | $1,018 | -$132 | -11.5% |
| New York | $1,210 | $60 | 5.2% |
| North Carolina | $664 | -$486 | -42.3% |
| North Dakota | $942 | -$208 | -18.1% |
| Ohio | $792 | -$358 | -31.1% |
| Oklahoma | $1,180 | $30 | 2.6% |
| Oregon | $1,054 | -$96 | -8.3% |
| Pennsylvania | $1,096 | -$54 | -4.7% |
| Rhode Island | $1,534 | $384 | 33.4% |
| South Carolina | $1,044 | -$106 | -9.2% |
| South Dakota | $972 | -$178 | -15.5% |
| Tennessee | $1,006 | -$144 | -12.5% |
| Texas | $1,384 | $234 | 20.3% |
| Utah | $850 | -$300 | -26.1% |
| Vermont | $788 | -$362 | -31.5% |
| Virginia | $688 | -$462 | -40.2% |
| Washington | $886 | -$264 | -23.0% |
| West Virginia | $1,054 | -$96 | -8.3% |
| Wisconsin | $796 | -$354 | -30.8% |
| Wyoming | $1,024 | -$126 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,026 | $86 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,222 | $102 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,064 | $89 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,082 | $90 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2023 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2022 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2021 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
| 2019 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2018 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2017 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2016 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2015 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2014 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2013 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2012 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2011 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
| 2010 GMC Sierra 3500HD | $180 | $224 | $530 | $1,114 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap GMC Sierra 3500HD Insurance
Saving money on car insurance requires being a low-risk driver, having a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The items below are a quick review of the data that was touched on above.
- You may be able to save around $130 per year just by shopping early and online
- Policyholders who purchase more liability coverage will pay an extra $590 per year to increase from a minimum limit to a 250/500 level
- Teen drivers have the highest car insurance rates, as much as $386 per month if comprehensive and collision insurance is included
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,320 more per year to insure their Sierra 3500HD
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,150 |
| 50 | $1,056 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,254 |
| $500 | $1,150 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,150 |
| 50/100 | $1,177 |
| 100/300 | $1,295 |
| 250/500 | $1,603 |
| 100 CSL | $1,224 |
| 300 CSL | $1,485 |
| 500 CSL | $1,675 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,526 |
| 20 | $4,190 |
| 30 | $2,496 |
| 40 | $2,474 |
| 50 | $2,368 |
| 60 | $2,342 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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