GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage. Comprehensive costs on average $198 a year, collision insurance costs $274, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs around $2,556. Teens cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to compare rates based on a specific location and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay around $1,078 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,186
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,392
• Higher-risk drivers with serious driving violations could pay upwards of $2,556
• Policy cost for full coverage for a teen driver may cost $4,746 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on your risk profile, the trim level of your Sierra 3500HD, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $320 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 131% more than the average policy. View High Risk Driver Rates

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 the Best GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least every other year by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The points below are a brief recap of the car insurance concepts presented in the illustrations above.

• Higher risk drivers who tend to receive serious violations will pay on average $1,370 more each year to insure a GMC Sierra 3500HD
• Drivers can save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Policyholders who require increased liability limits will pay approximately $590 each year to go from a 30/60 limit to 250/500 limits