GMC Sierra 3500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 3500HD are $1,186 annually with full coverage. Comprehensive insurance costs an estimated $198, collision costs $274, and liability is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers costing $2,556 or more. Teen drivers pay the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. 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 have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $715
• Raising to $1,000 deductibles will save approximately $108 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,186
• Choosing more expensive low deductibles costs an additional $206 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,556 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $4,746

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $320 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices may be quite different between companies.

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 Buy Cheaper GMC Sierra 3500HD Insurance

Getting lower rates on car insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the ideas that were illustrated above.

• Drivers age 16 to 20 are charged the highest prices, costing up to $396 a month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents pay on average $1,370 more annually than a safer driver
• Increasing physical damage deductibles could save up to $325 each year
• You may be able to save approximately $130 per year simply by shopping early and online