GMC Sierra 3500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage. Comprehensive insurance costs on average $186 each year, collision costs $250, and liability coverage is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,474 or more. Teenage drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. 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 has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save around $100 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,150
• Using low deductibles costs an extra $188 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• An auto insurance policy to insure a teenage driver may cost $4,630

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Sierra 3500HD.

Using high physical damage deductibles can reduce prices by up to $290 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and 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 Shop for More Affordable GMC Sierra 3500HD Insurance

Finding better rates on auto insurance consists of being a good driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following list is a summary of the data that was touched on in this article.

• Drivers can save as much as $130 per year simply by quoting online in advance
• Consumers who require an increased level of liability coverage will pay an extra $590 each year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 pay higher prices, as much as $386 per month if full coverage is included
• Drivers who have multiple accidents or major violations pay an average of $1,320 more each year than a safer driver