GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save around $100 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,150
• Choosing low deductibles will cost an extra $188 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,474 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,630

View Chart as Image

Car insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the trim level of your Sierra 3500HD, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find prices as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $290 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

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 Cheaper GMC Sierra 3500HD Insurance

Finding better rates on insurance for a GMC Sierra 3500HD consists of having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following items are a condensed summary of the information covered in the charts and tables above.

• Drivers can save as much as $130 per year simply by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, as much as $386 per month if full coverage is included
• Increasing policy deductibles can save around $300 each year
• Drivers considered higher risk with multiple at-fault accidents will pay on average $1,320 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay about $590 each year to raise from 30/60 bodily injury limits to 250/500 limits