GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $250, and liability insurance is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs $2,474 or more. 16-year-old drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on rate averages.

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

Rate Comparisons

The chart below breaks down average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save approximately $100 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,150
• Buying more expensive low deductibles for comp and collision coverage will cost an additional $188 a year
• High-risk insureds with multiple tickets or accidents could pay up to $2,474
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,630 each year

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Insurance prices for a GMC Sierra 3500HD also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 41% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,640 on average in Louisiana, New York, and Michigan.

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Opting for high physical damage deductibles can save as much as $290 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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 Affordable GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance takes being a safe and courteous driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the material that was covered in the charts and tables above.

• Drivers who want higher levels of liability will pay around $590 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are expensive to insure, with the cost nearing $386 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,320 more annually for auto insurance
• Increasing policy deductibles can save approximately $300 each year