GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive insurance costs an estimated $186, collision costs $250, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,474 or more. Teen drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Includes $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save approximately $100 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,150
• Choosing more expensive low deductibles will cost an extra $188 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,474 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $4,630

View Chart as Image

Auto insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $290 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 135% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite 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 the Cheapest GMC Sierra 3500HD Insurance

Getting lower rates on insurance for a GMC Sierra 3500HD consists of being a safe and courteous driver, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a recap of the material that was presented in the illustrations above.

• Insureds who want higher levels of liability will pay about $590 annually to raise from a low limit to 250/500 limits
• Teenage drivers are the costliest to insure, as much as $386 a month if they have full coverage
• Drivers considered higher risk that have major violations or accidents pay on average $1,320 more annually for auto insurance
• Increasing physical damage deductibles can save around $300 each year