GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs an estimated $186, collision insurance costs $250, and liability costs $534. Liability-only insurance costs as little as $588 a year, and high-risk driver insurance costs around $2,474. Teenage 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:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

These rate differences highlight why everyone should compare rates for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,150
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• Drivers who are prone to accidents and violations could pay up to $2,474
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $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 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. GMC Sierra 3500HD insurance for high-risk drivers can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision 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, 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 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles could save up to $290 annually, whereas buying more liability protection 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 the Best Cheap GMC Sierra 3500HD Insurance

Finding better rates on insurance for a GMC Sierra 3500HD not only requires being a good driver, but also having a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare prices at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a quick review of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,320 more annually than a safer driver
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $300 each year
• Insureds who want an increased level of liability coverage will pay an extra $590 per year to go from 30/60 bodily injury limits to the 250/500 level