GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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Estimated auto insurance rates for a GMC Sierra 3500HD are $1,186 annually for full coverage insurance. Comprehensive insurance costs on average $198, collision costs $274, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing $2,556 or more. 16-year-old drivers pay the most at $4,746 a year or more.
Average premium for full coverage: $1,186
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Sierra 3500HD trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a GMC Sierra 3500HD go from as cheap as $588 for liability-only coverage to a much higher rate of $2,556 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.
The price range example below illustrates how where you live affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $715
- Using higher $1,000 deductibles will save around $108 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,186
- Buying more expensive low deductibles for physical damage coverage costs an additional $206 annually
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,556 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,746 or more
Insurance prices for a GMC Sierra 3500HD also have a wide range based on the model of your Sierra 3500HD, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can be from 42% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $320 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
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 $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,074 | -$112 | -9.4% |
| Alaska | $910 | -$276 | -23.3% |
| Arizona | $986 | -$200 | -16.9% |
| Arkansas | $1,186 | -$0 | 0.0% |
| California | $1,354 | $168 | 14.2% |
| Colorado | $1,132 | -$54 | -4.6% |
| Connecticut | $1,220 | $34 | 2.9% |
| Delaware | $1,342 | $156 | 13.2% |
| Florida | $1,486 | $300 | 25.3% |
| Georgia | $1,098 | -$88 | -7.4% |
| Hawaii | $852 | -$334 | -28.2% |
| Idaho | $804 | -$382 | -32.2% |
| Illinois | $882 | -$304 | -25.6% |
| Indiana | $898 | -$288 | -24.3% |
| Iowa | $802 | -$384 | -32.4% |
| Kansas | $1,126 | -$60 | -5.1% |
| Kentucky | $1,618 | $432 | 36.4% |
| Louisiana | $1,758 | $572 | 48.2% |
| Maine | $734 | -$452 | -38.1% |
| Maryland | $980 | -$206 | -17.4% |
| Massachusetts | $948 | -$238 | -20.1% |
| Michigan | $2,060 | $874 | 73.7% |
| Minnesota | $994 | -$192 | -16.2% |
| Mississippi | $1,424 | $238 | 20.1% |
| Missouri | $1,052 | -$134 | -11.3% |
| Montana | $1,276 | $90 | 7.6% |
| Nebraska | $936 | -$250 | -21.1% |
| Nevada | $1,426 | $240 | 20.2% |
| New Hampshire | $856 | -$330 | -27.8% |
| New Jersey | $1,328 | $142 | 12.0% |
| New Mexico | $1,052 | -$134 | -11.3% |
| New York | $1,250 | $64 | 5.4% |
| North Carolina | $684 | -$502 | -42.3% |
| North Dakota | $972 | -$214 | -18.0% |
| Ohio | $818 | -$368 | -31.0% |
| Oklahoma | $1,218 | $32 | 2.7% |
| Oregon | $1,088 | -$98 | -8.3% |
| Pennsylvania | $1,132 | -$54 | -4.6% |
| Rhode Island | $1,582 | $396 | 33.4% |
| South Carolina | $1,076 | -$110 | -9.3% |
| South Dakota | $1,004 | -$182 | -15.3% |
| Tennessee | $1,038 | -$148 | -12.5% |
| Texas | $1,428 | $242 | 20.4% |
| Utah | $878 | -$308 | -26.0% |
| Vermont | $814 | -$372 | -31.4% |
| Virginia | $708 | -$478 | -40.3% |
| Washington | $916 | -$270 | -22.8% |
| West Virginia | $1,088 | -$98 | -8.3% |
| Wisconsin | $822 | -$364 | -30.7% |
| Wyoming | $1,056 | -$130 | -11.0% |
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,060 | $88 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,078 | $90 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,078 | $90 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,278 | $107 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,278 | $107 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,100 | $92 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,298 | $108 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,298 | $108 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,118 | $93 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $358 | $630 | $440 | $1,608 |
| 2023 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2022 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2021 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2019 GMC Sierra 3500HD | $292 | $524 | $510 | $1,506 |
| 2018 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2017 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2016 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2015 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2014 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2013 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2012 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2011 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2010 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper GMC Sierra 3500HD Insurance
Finding better rates on insurance for a GMC Sierra 3500HD requires having a good driving record, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies, and also from local exclusive and independent agents.
The next list is a condensed summary of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,370 more each year to buy GMC Sierra 3500HD insurance
- Drivers age 20 and younger pay higher prices, with premiums being up to $396 per month if they have full coverage
- It is possible to save as much as $130 per year simply by shopping early and online
- Increasing policy deductibles could save up to $325 each year
- It is possible to save as much as $130 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,746 |
| 20 | $2,716 |
| 30 | $1,210 |
| 40 | $1,186 |
| 50 | $1,090 |
| 60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,298 |
| $500 | $1,186 |
| $1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,186 |
| 50/100 | $1,213 |
| 100/300 | $1,331 |
| 250/500 | $1,639 |
| 100 CSL | $1,260 |
| 300 CSL | $1,521 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,328 |
| 30 | $2,580 |
| 40 | $2,556 |
| 50 | $2,446 |
| 60 | $2,420 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $471 |
Discounts are estimated and may not be available from every company or in every state.
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