GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually for full coverage insurance. Comprehensive insurance costs on average $186, collision costs $250, and liability costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing $2,474 or more. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save around $100 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,150
• Using more expensive low deductibles for physical damage coverage costs an additional $188 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $4,630 or more

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $290 every year, 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 raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and 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 More Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the coverage data raised in the charts and tables above.

• It is possible to save as much as $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• 16 to 18-year-old drivers pay higher rates, possibly costing $386 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,320 more each year than a driver with a clean driving record