GMC Sierra 3500HD Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a GMC Sierra 3500HD are $1,186 a year including full coverage. Comprehensive insurance costs around $198, collision costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing $2,556 or more. Teens pay the highest rates at $4,746 a year or more.
Average premium for full coverage: $1,186
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Sierra 3500HD models.
Price Range from Low to High
For the normal driver, GMC Sierra 3500HD insurance prices go from as low as $588 for the bare minimum liability coverage to the much higher price of $2,556 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects auto insurance rates.
The ranges above highlight why everyone should compare prices for a specific zip code and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $715
- Using higher $1,000 deductibles will save about $108 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,186
- Selecting pricier low deductibles for physical damage coverage will cost an extra $206 every year
- Drivers with serious driving violations could pay at least $2,556 or more
- The price for full coverage for a teen driver for full coverage can be $4,746 or more
Insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the model of your Sierra 3500HD, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
The state you live in has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,074 | -$112 | -9.4% |
Alaska | $910 | -$276 | -23.3% |
Arizona | $986 | -$200 | -16.9% |
Arkansas | $1,186 | -$0 | 0.0% |
California | $1,354 | $168 | 14.2% |
Colorado | $1,132 | -$54 | -4.6% |
Connecticut | $1,220 | $34 | 2.9% |
Delaware | $1,342 | $156 | 13.2% |
Florida | $1,486 | $300 | 25.3% |
Georgia | $1,098 | -$88 | -7.4% |
Hawaii | $852 | -$334 | -28.2% |
Idaho | $804 | -$382 | -32.2% |
Illinois | $882 | -$304 | -25.6% |
Indiana | $898 | -$288 | -24.3% |
Iowa | $802 | -$384 | -32.4% |
Kansas | $1,126 | -$60 | -5.1% |
Kentucky | $1,618 | $432 | 36.4% |
Louisiana | $1,758 | $572 | 48.2% |
Maine | $734 | -$452 | -38.1% |
Maryland | $980 | -$206 | -17.4% |
Massachusetts | $948 | -$238 | -20.1% |
Michigan | $2,060 | $874 | 73.7% |
Minnesota | $994 | -$192 | -16.2% |
Mississippi | $1,424 | $238 | 20.1% |
Missouri | $1,052 | -$134 | -11.3% |
Montana | $1,276 | $90 | 7.6% |
Nebraska | $936 | -$250 | -21.1% |
Nevada | $1,426 | $240 | 20.2% |
New Hampshire | $856 | -$330 | -27.8% |
New Jersey | $1,328 | $142 | 12.0% |
New Mexico | $1,052 | -$134 | -11.3% |
New York | $1,250 | $64 | 5.4% |
North Carolina | $684 | -$502 | -42.3% |
North Dakota | $972 | -$214 | -18.0% |
Ohio | $818 | -$368 | -31.0% |
Oklahoma | $1,218 | $32 | 2.7% |
Oregon | $1,088 | -$98 | -8.3% |
Pennsylvania | $1,132 | -$54 | -4.6% |
Rhode Island | $1,582 | $396 | 33.4% |
South Carolina | $1,076 | -$110 | -9.3% |
South Dakota | $1,004 | -$182 | -15.3% |
Tennessee | $1,038 | -$148 | -12.5% |
Texas | $1,428 | $242 | 20.4% |
Utah | $878 | -$308 | -26.0% |
Vermont | $814 | -$372 | -31.4% |
Virginia | $708 | -$478 | -40.3% |
Washington | $916 | -$270 | -22.8% |
West Virginia | $1,088 | -$98 | -8.3% |
Wisconsin | $822 | -$364 | -30.7% |
Wyoming | $1,056 | -$130 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $320 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,400 to $2,000 additional each year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can be as much as 42% to 131% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, and prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Sierra 3500HD SLE Regular Cab 2WD | $1,060 | $88 |
GMC Sierra 3500HD SLE Regular Cab 4WD | $1,258 | $105 |
GMC Sierra 3500HD SLE Crew Cab 2WD | $1,078 | $90 |
GMC Sierra 3500HD SLE Extended Cab 2WD | $1,078 | $90 |
GMC Sierra 3500HD SLE Crew Cab 4WD | $1,278 | $107 |
GMC Sierra 3500HD SLE Extended Cab 4WD | $1,278 | $107 |
GMC Sierra 3500HD SLT Extended Cab 2WD | $1,100 | $92 |
GMC Sierra 3500HD SLT Crew Cab 4WD | $1,298 | $108 |
GMC Sierra 3500HD SLT Extended Cab 4WD | $1,298 | $108 |
GMC Sierra 3500HD SLT Crew Cab 2WD | $1,118 | $93 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 GMC Sierra 3500HD | $358 | $630 | $440 | $1,608 |
2023 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
2022 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
2021 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
2019 GMC Sierra 3500HD | $292 | $524 | $510 | $1,506 |
2018 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
2017 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
2016 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
2015 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
2014 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
2013 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
2012 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
2011 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
2010 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap GMC Sierra 3500HD Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a quick review of the car insurance concepts presented in the illustrations above.
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,370 more every year to insure a GMC Sierra 3500HD
- You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $325 each year
- Policyholders who may need increased liability limits will pay approximately $590 per year to increase from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,746 |
20 | $2,716 |
30 | $1,210 |
40 | $1,186 |
50 | $1,090 |
60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,392 |
$250 | $1,298 |
$500 | $1,186 |
$1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,186 |
50/100 | $1,213 |
100/300 | $1,331 |
250/500 | $1,639 |
100 CSL | $1,260 |
300 CSL | $1,521 |
500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,700 |
20 | $4,328 |
30 | $2,580 |
40 | $2,556 |
50 | $2,446 |
60 | $2,420 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $60 |
Multi-vehicle | $64 |
Homeowner | $21 |
5-yr Accident Free | $74 |
5-yr Claim Free | $75 |
Paid in Full/EFT | $44 |
Advance Quote | $53 |
Online Quote | $80 |
Total Discounts | $471 |
Discounts are estimated and may not be available from every company or in every state.
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