GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,186 a year including full coverage. Comprehensive costs approximately $198, collision insurance costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,556. Teens cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $715
• Using higher $1,000 deductibles will save $108 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,186
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,392
• Drivers with serious driving violations could pay around $2,556
• Policy cost that insures a teen driver for full coverage can cost $4,746 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model of your Sierra 3500HD, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can be as much as 42% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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 Find Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief summary of the information raised in the charts and tables above.

• You may be able to save around $130 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are expensive to insure, with premiums being up to $396 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Higher risk drivers that tend to have accidents or serious violations will likely pay on average $1,370 more per year to buy GMC Sierra 3500HD insurance
• Policyholders who purchase increased levels of liability coverage will pay approximately $590 per year to increase from a 30/60 limit to the 250/500 level