GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually for full coverage. Comprehensive insurance costs on average $186 a year, collision costs $250, and liability insurance is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing $2,474 or more. 16-year-old drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save around $1,050 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,150
• Buying low $100 deductibles for comp and collision coverage costs an additional $188 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,474 or more
• Policy cost with full coverage for a teen driver may cost $4,630 each year

View Chart as Image

Car insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $290 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied 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 More Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a summary of the data that was covered above.

• Drivers can save as much as $130 per year simply by quoting early and online
• Drivers who require additional liability coverage will pay around $590 each year to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, costing up to $386 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,320 more each year than a driver with a clean driving record