GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs around $186, collision costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,474. Teen drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of using price averages.

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

Additional Rate Information

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save about $100 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,150
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,338
• Drivers with multiple violations and an at-fault accident could pay at least $2,474 or more
• An auto insurance policy that insures a teen driver with full coverage can be $4,630 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at least $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $290 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices will be substantially 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 Find the Cheapest GMC Sierra 3500HD Insurance

Finding better rates on car insurance requires being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a recap of the concepts that were covered above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,320 more every year than a safer driver
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $386 per month if the policy includes full coverage
• It is possible to save up to $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $300 each year
• It is possible to save up to $130 per year simply by shopping early and online