GMC Sierra 3500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage. Comprehensive insurance costs around $186 a year, collision costs $250, and liability insurance is estimated at $534. A policy with only liability insurance costs approximately $588 a year, with a high-risk policy costing $2,474 or more. Teen drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences show why it is important to get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $698
• Choosing higher $1,000 deductibles can save about $1,050 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,150
• Choosing low $100 deductibles for comp and collision coverage costs an extra $188 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,474 or more
• An auto insurance policy to insure a teen driver can be $4,630 each year

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Car insurance prices for a GMC Sierra 3500HD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Choosing high deductibles can save as much as $290 each year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be substantially 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 the Best Cheap GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance takes being a good driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a quick review of the ideas that were touched on above.

• Drivers age 16 to 20 are the costliest to insure, as much as $386 per month if the policy includes full coverage
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,320 more every year than a safer driver
• Increasing policy deductibles could save as much as $300 each year
• Drivers can save up to $130 per year simply by quoting early and online