GMC Sierra 3500HD Insurance Rates

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UPDATED: Apr 16, 2024

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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:

Comprehensive $198
Collision $274
Liability $534

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

For a driver around age 40, GMC Sierra 3500HD insurance rates go from as cheap as $588 for your basic liability-only policy to the much higher price of $2,556 for high-risk insurance.

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

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.

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

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

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

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.

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

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.

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 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

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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