GMC Sierra 3500HD Insurance Rates

The average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months with full coverage. Comprehensive insurance costs approximately $186 a year, collision costs $250, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,474 or more. 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:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and their own driving history, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay $1,050 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,150
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $188 every year
• Higher-risk drivers with serious driving violations could pay around $2,474 or more
• Policy cost to insure a teen driver can cost $4,630 a year

View Chart as Image

Auto insurance rates for a GMC Sierra 3500HD also range considerably based on liability limits and deductibles, your driving record, and the model of your Sierra 3500HD.

Choosing higher comprehensive and collision insurance deductibles could save up to $290 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted 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 Shop for Cheaper GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The items below are a condensed summary of the ideas that were touched on in this article.

• Teen drivers have the highest car insurance rates, as much as $386 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,320 more per year to insure their Sierra 3500HD
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save around $130 per year simply by quoting early and online