GMC Sierra 3500HD Insurance Rates

The average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months including full coverage. Comprehensive costs on average $186 a year, collision costs $250, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,474. 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:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to compare prices 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.

Rates by State, City, and Model

The chart below breaks down 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 $1,050 every year
• The average price for a good driver age 40 with $500 deductibles is $1,150
• Using low $100 deductibles for physical damage coverage increases the price to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• Policy cost to insure a teenage driver may cost $4,630 or more

View Chart as Image

Car insurance rates for a GMC Sierra 3500HD also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Sierra 3500HD.

Using high physical damage deductibles could cut rates by as much as $290 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards 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 are likely paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 41% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes 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 the Right GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a quick rundown of the information covered in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting early and online
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $386 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers with reckless driving or DUI convictions may pay on average $1,320 more each year than a driver with a clean driving record
• Consumers who require additional liability coverage will pay an extra $590 per year to increase from a 30/60 limit to a 250/500 level