GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $715
• Drivers who choose higher $1,000 deductibles will pay about $108 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,186
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $206 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,556 or more
• Policy cost with full coverage for a teen driver with full coverage can be $4,746 a year

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

An older driver with a clean driving record and high physical damage deductibles could 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 without any violations or accidents they can expect to pay as much as $4,700 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 least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $320 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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

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Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates 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 Low Cost GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a review of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 pay higher rates, costing up to $396 each month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations pay an average of $1,370 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers can save up to $130 per year simply by shopping early and online