GMC Sierra 3500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 3500HD are $1,232 every 12 months for full coverage. Comprehensive costs approximately $212, collision insurance costs $300, and liability coverage is $540. A policy with only liability insurance costs around $592 a year, and a high-risk policy costs around $2,654. Teenage drivers pay the most at up to $4,892 a year.

Average premium for full coverage: $1,232

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates quotes using their 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 shows average GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $740
• Raising to $1,000 deductibles will save $116 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,232
• Using more expensive low deductibles increases the price to $1,456
• Unlucky drivers who are prone to accidents and violations could pay around $2,654
• An auto insurance policy to insure a teenage driver with full coverage can cost $4,892

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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 model of your Sierra 3500HD.

Using high physical damage deductibles can reduce prices by up to $340 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find prices as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,760 on average in New York, Louisiana, and Michigan.

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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

Finding better rates on auto insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a condensed summary of the data that was touched on above.

• Drivers can save around $140 per year just by shopping early and online
• Consumers who purchase additional liability coverage will pay an extra $590 each year to raise from 30/60 bodily injury limits to a 250/500 level
• 16 to 18-year-old drivers pay the highest auto insurance prices, as much as $408 per month if the policy includes full coverage
• Drivers with multiple at-fault accidents may pay on average $1,420 more per year than a driver with a clean driving record