GMC Sierra 3500HD Insurance Rates

Average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months with full coverage. Comprehensive insurance costs an estimated $186, collision costs $250, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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

More Rate Information

The chart below details estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,150
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $188 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,474 or more
• The cost to insure a teen driver with full coverage can cost as much as $4,630 a year

View Chart as Image

Auto insurance rates for a GMC Sierra 3500HD can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could save up to $290 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different.

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

Saving money on GMC Sierra 3500HD insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• Drivers who want increased levels of liability coverage will pay an extra $590 every year to go from a minimum limit to a 250/500 level
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing deductibles could save as much as $300 each year
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $386 per month if comprehensive and collision insurance is included