GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why all drivers should compare rates 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 Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay around $100 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,150
• Using low deductibles for comprehensive and collision insurance will cost $1,338
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• An auto insurance policy with full coverage for a 16-year-old driver may cost $4,630 a year

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Insurance prices for a GMC Sierra 3500HD also have a wide range based on the model of your Sierra 3500HD, your driving record, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates

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

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,550 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so the prices will be substantially different 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 Low Cost GMC Sierra 3500HD Insurance

Finding better rates on insurance for a GMC Sierra 3500HD not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and bundling your home and auto policies. Set aside time to shop around once a year by getting rate quotes from direct companies, and also from local independent and exclusive agents.

The list below is a review of the data that was raised in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Insureds who require higher liability limits will pay an extra $590 every year to go from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers pay the highest prices, possibly costing $386 per month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,320 more each year for car insurance