GMC Sierra 3500HD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $198
Collision $274
Liability $534

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.

Liability Only $588
Full Coverage $1,186
High Risk $2,556

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.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

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

View Chart as Image

GMC Sierra 3500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 3500HD insurance prices range from $715 to $4,746

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.

GMC Sierra 3500HD Insurance Rates by State
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%

View Chart as Image

GMC Sierra 3500HD insurance rates by U.S. city

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

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.

GMC Sierra 3500HD Insurance Rates by Model Year
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

Rates by Driver Age

GMC Sierra 3500HD Insurance 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

GMC Sierra 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,392
$250 $1,298
$500 $1,186
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD Insurance Rates with Different Liability Limits
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

GMC Sierra 3500HD Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $715

Discounts are estimated and may not be available from every company or in every state.

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