GMC Sierra 3500HD Insurance Rates
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UPDATED: Apr 16, 2024
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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
For the average driver, insurance rates for a GMC Sierra 3500HD range from the cheapest price of $592 for a discount liability-only rate to a much higher rate of $2,654 for a driver that may need high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,114 | -$118 | -9.6% |
Alaska | $946 | -$286 | -23.2% |
Arizona | $1,024 | -$208 | -16.9% |
Arkansas | $1,232 | -$0 | 0.0% |
California | $1,404 | $172 | 14.0% |
Colorado | $1,176 | -$56 | -4.5% |
Connecticut | $1,264 | $32 | 2.6% |
Delaware | $1,394 | $162 | 13.1% |
Florida | $1,542 | $310 | 25.2% |
Georgia | $1,138 | -$94 | -7.6% |
Hawaii | $884 | -$348 | -28.2% |
Idaho | $836 | -$396 | -32.1% |
Illinois | $916 | -$316 | -25.6% |
Indiana | $928 | -$304 | -24.7% |
Iowa | $830 | -$402 | -32.6% |
Kansas | $1,170 | -$62 | -5.0% |
Kentucky | $1,680 | $448 | 36.4% |
Louisiana | $1,824 | $592 | 48.1% |
Maine | $762 | -$470 | -38.1% |
Maryland | $1,018 | -$214 | -17.4% |
Massachusetts | $984 | -$248 | -20.1% |
Michigan | $2,140 | $908 | 73.7% |
Minnesota | $1,032 | -$200 | -16.2% |
Mississippi | $1,478 | $246 | 20.0% |
Missouri | $1,092 | -$140 | -11.4% |
Montana | $1,322 | $90 | 7.3% |
Nebraska | $972 | -$260 | -21.1% |
Nevada | $1,478 | $246 | 20.0% |
New Hampshire | $888 | -$344 | -27.9% |
New Jersey | $1,378 | $146 | 11.9% |
New Mexico | $1,090 | -$142 | -11.5% |
New York | $1,298 | $66 | 5.4% |
North Carolina | $708 | -$524 | -42.5% |
North Dakota | $1,010 | -$222 | -18.0% |
Ohio | $850 | -$382 | -31.0% |
Oklahoma | $1,264 | $32 | 2.6% |
Oregon | $1,130 | -$102 | -8.3% |
Pennsylvania | $1,174 | -$58 | -4.7% |
Rhode Island | $1,644 | $412 | 33.4% |
South Carolina | $1,116 | -$116 | -9.4% |
South Dakota | $1,042 | -$190 | -15.4% |
Tennessee | $1,076 | -$156 | -12.7% |
Texas | $1,484 | $252 | 20.5% |
Utah | $912 | -$320 | -26.0% |
Vermont | $844 | -$388 | -31.5% |
Virginia | $738 | -$494 | -40.1% |
Washington | $950 | -$282 | -22.9% |
West Virginia | $1,130 | -$102 | -8.3% |
Wisconsin | $854 | -$378 | -30.7% |
Wyoming | $1,098 | -$134 | -10.9% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Sierra 3500HD SLE Regular Cab 2WD | $1,100 | $92 |
GMC Sierra 3500HD SLE Regular Cab 4WD | $1,302 | $109 |
GMC Sierra 3500HD SLE Crew Cab 2WD | $1,120 | $93 |
GMC Sierra 3500HD SLE Extended Cab 2WD | $1,120 | $93 |
GMC Sierra 3500HD SLE Crew Cab 4WD | $1,322 | $110 |
GMC Sierra 3500HD SLE Extended Cab 4WD | $1,322 | $110 |
GMC Sierra 3500HD SLT Extended Cab 2WD | $1,142 | $95 |
GMC Sierra 3500HD SLT Crew Cab 4WD | $1,344 | $112 |
GMC Sierra 3500HD SLT Extended Cab 4WD | $1,344 | $112 |
GMC Sierra 3500HD SLT Crew Cab 2WD | $1,164 | $97 |
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 | $376 | $656 | $420 | $1,632 |
2023 GMC Sierra 3500HD | $358 | $630 | $440 | $1,608 |
2022 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
2021 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
2019 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
2018 GMC Sierra 3500HD | $292 | $524 | $510 | $1,506 |
2017 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
2016 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
2015 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
2014 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
2013 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
2012 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
2011 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
2010 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
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 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
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,892 |
20 | $2,818 |
30 | $1,258 |
40 | $1,232 |
50 | $1,130 |
60 | $1,108 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,456 |
$250 | $1,354 |
$500 | $1,232 |
$1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,232 |
50/100 | $1,260 |
100/300 | $1,379 |
250/500 | $1,690 |
100 CSL | $1,307 |
300 CSL | $1,570 |
500 CSL | $1,762 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,912 |
20 | $4,494 |
30 | $2,684 |
40 | $2,654 |
50 | $2,536 |
60 | $2,512 |
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 | $63 |
Multi-vehicle | $66 |
Homeowner | $21 |
5-yr Accident Free | $78 |
5-yr Claim Free | $78 |
Paid in Full/EFT | $47 |
Advance Quote | $55 |
Online Quote | $84 |
Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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