GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,186 annually for full coverage insurance. Comprehensive insurance costs on average $198, collision costs $274, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,556 or more. Teen drivers cost the most to insure at $4,746 a year or more.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $715
• Raising to $1,000 deductibles will save around $108 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,186
• Choosing pricier low deductibles costs an additional $206 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,556 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,746

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers is expensive and can cost from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $320 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied 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.

How to Buy the Best GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD consists of being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was covered above.

• Insureds who require more liability coverage will pay about $590 annually to raise from a 30/60 limit to higher 250/500 limits
• Teen drivers are expensive to insure, possibly costing $396 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,370 more each year to insure their Sierra 3500HD
• Increasing comprehensive and collision deductibles could save up to $325 each year