GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs around $186 a year, collision insurance costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teens pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why it is important to get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below shows average GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save about $1,050 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,150
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $188 a year
• High-risk insureds with serious driving violations could pay at least $2,474
• The price for full coverage for a teen driver can be $4,630 each year

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Insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the trim level of your Sierra 3500HD, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,640 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

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 Low Cost GMC Sierra 3500HD Insurance

Getting lower rates on GMC Sierra 3500HD insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a review of the information covered above.

• Drivers can save up to $130 per year just by quoting early and online
• Teen drivers are charged the highest prices, with premiums as much as $386 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $300 each year
• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,320 more every year to insure their Sierra 3500HD
• Drivers who may need more liability coverage will pay approximately $590 each year to raise limits from a low limit to 250/500 limits