GMC Sierra 3500HD Insurance Rates

Average insurance prices for a GMC Sierra 3500HD are $1,186 every 12 months with full coverage. Comprehensive insurance costs approximately $198, collision costs $274, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,556 or more. Teens receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM 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 large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion.

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

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Rate Comparisons

The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay $108 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,186
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $206 each year
• High-risk insureds with serious driving violations could pay around $2,556 or more
• The cost to insure a teenage driver with full coverage can cost $4,746 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $320 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 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 $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost around 42% to 131% more than the average 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 $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company calculates rates differently, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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 More Affordable GMC Sierra 3500HD Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a summary of the material that was illustrated above.

• Consumers who purchase more liability coverage will pay approximately $590 every year to go from a minimum limit to a 250/500 level
• Teen drivers pay the highest auto insurance rates, with premiums as much as $396 per month if the policy includes full coverage
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,370 more per year to insure their Sierra 3500HD
• Increasing deductibles could save as much as $325 each year