GMC Sierra 3500HD Insurance Rates

Average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months including full coverage. Comprehensive costs on average $186, collision costs $250, and liability costs $534. A liability-only policy costs as little as $588 a year, with high-risk insurance costing around $2,474. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Sierra 3500HD models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

These examples highlight why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down 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 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,150
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,338
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• The cost to insure a 16-year-old driver for full coverage may cost $4,630 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Sierra 3500HD.

Using high physical damage deductibles could save up to $290 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards 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 at a minimum $1,400 to $1,900 extra per year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so the rates can be significantly different.

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 Shop for the Right GMC Sierra 3500HD Insurance

Saving money on insurance for a GMC Sierra 3500HD not only requires being safe and accident-free, but also having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $300 each year
• Youthful drivers pay the highest rates, as much as $386 per month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,320 more each year than a low-risk driver