GMC Sierra 3500HD Insurance Rates

Estimated auto insurance rates for a GMC Sierra 3500HD are $1,186 annually with full coverage. Comprehensive insurance costs an estimated $198, collision costs $274, and liability insurance costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,556 or more. Teen drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates broken down by type of coverage:

Price estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $715
• Drivers who choose higher $1,000 deductibles will pay approximately $108 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,186
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $206 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,556 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,746 a year

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Insurance prices for a GMC Sierra 3500HD also have a wide range based on the model of your Sierra 3500HD, your driving record, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $320 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Every company uses a different rate calculation, and prices will be substantially 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.

How to Buy Cheaper GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The following is a condensed summary of the data presented in the illustrations above.

• Drivers who want higher liability limits will pay about $590 every year to go from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing policy deductibles could save up to $325 each year
• Teens are expensive to insure, possibly costing $396 per month if they have full coverage