GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive costs approximately $186 a year, collision costs $250, and liability coverage is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,474. Teens 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:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save $1,050 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,150
• Selecting low $100 deductibles bumps up the cost to $1,338
• Unlucky drivers with serious driving violations could pay around $2,474 or more
• Policy cost that insures a teenage driver can cost $4,630

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level of your Sierra 3500HD, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $290 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, so the rates will be varied.

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 the Cheapest GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every couple of years by requesting rates from direct carriers, and also from insurance agencies where you live.

The list below is a recap of the material that was covered above.

• Consumers who purchase higher liability limits will pay approximately $590 each year to raise from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, costing up to $386 each month if full coverage is included
• Drivers that have major violations or accidents could be forced to pay on average $1,320 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year