GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $274, and liability coverage costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs $2,556 or more. Teenage drivers receive the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

These examples show why anyone shopping for car insurance should compare rates for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $715
• Drivers who choose higher $1,000 deductibles will pay approximately $108 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,186
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $206 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,556
• The cost that insures a teenage driver with full coverage can cost as much as $4,746 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Where you live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles could save up to $320 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

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 Cheaper GMC Sierra 3500HD Insurance

Saving money on auto insurance not only requires having a good driving record, but also having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the information covered in the above illustrations.

• Drivers can save approximately $130 per year just by shopping early and online
• Drivers age 20 and younger are expensive to insure, costing as high as $396 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $325 each year
• Drivers with multiple at-fault accidents may pay on average $1,370 more annually to buy GMC Sierra 3500HD insurance
• Consumers who want increased levels of liability coverage will pay an extra $590 each year to go from a minimum limit to the 250/500 level