GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The best discount rate is $715
• Raising to $1,000 deductibles will save around $108 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,186
• Using more expensive low deductibles increases the price to $1,392
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,556 or more
• The cost to insure a teenage driver with full coverage may cost $4,746

View Chart as Image

Car insurance rates for a GMC Sierra 3500HD can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Sierra 3500HD.

Using high physical damage deductibles can reduce rates by up to $320 a year, while increasing your policy's liability limits will cost you more. Switching 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 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

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.

How to Shop for Affordable GMC Sierra 3500HD Insurance

Saving money on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the concepts that were touched on in the above illustrations.

• Drivers with DUI or reckless driving convictions pay on average $1,370 more each year for auto insurance
• Teenage drivers are expensive to insure, costing up to $396 per month if the policy includes full coverage
• It is possible to save as much as $130 per year simply by shopping early and online
• Increasing deductibles could save as much as $325 each year
• It is possible to save as much as $130 per year simply by shopping early and online