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 auto insurance rates for a GMC Sierra 3500HD are $1,232 annually for full coverage. Comprehensive costs an estimated $212 each year, collision costs $300, and liability insurance costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing around $2,654. 16-year-old drivers pay the highest rates at $4,892 a year or more.

Average premium for full coverage: $1,232

Price estimates broken down by individual coverage:

Comprehensive $212
Collision $300
Liability $540

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Sierra 3500HD models.

Price Range from Low to High

For the average 40-year-old driver, GMC Sierra 3500HD insurance prices go from as cheap as $592 for basic liability insurance to a high rate of $2,654 for a driver required to buy high-risk insurance.

Liability Only $592
Full Coverage $1,232
High Risk $2,654

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have fewer accident claims than congested cities.

The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $924
Small Cities $1,294
Large Cities $1,663

The ranges above show why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.

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.

Rate Comparisons

The chart below shows estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

  • The best full coverage rate is $740
  • Using higher $1,000 deductibles will save approximately $116 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,232
  • Buying low deductibles for physical damage coverage will cost $1,456
  • Drivers with multiple tickets or accidents could pay up to $2,654 or more
  • The price with full coverage for a teen driver can cost as much as $4,892 or more

View Chart as Image

GMC Sierra 3500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 3500HD insurance rates range from $740 to $4,892

Car insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $340 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see prices as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,760 on average in New York, Louisiana, and Michigan.

GMC Sierra 3500HD Insurance Rates by State
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%

View Chart as Image

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

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.

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 $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 Buy Affordable GMC Sierra 3500HD Insurance

Getting lower rates on GMC Sierra 3500HD insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Make time to compare rates at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the data touched on in this article.

  • Drivers who want increased levels of liability coverage will pay around $590 each year to increase from a low limit to higher 250/500 limits
  • Drivers can save approximately $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $350 each year
  • Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $408 a month if comprehensive and collision insurance is included

Rates by Driver Age

GMC Sierra 3500HD Insurance 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

GMC Sierra 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,354
$500 $1,232
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD Insurance Rates with Different Liability Limits
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

GMC Sierra 3500HD Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $740

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

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