GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage insurance. Comprehensive insurance costs approximately $198, collision costs $274, and liability insurance is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,556 or more. 16-year-old 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:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $715
• Raising to $1,000 deductibles will save $108 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,186
• Buying more expensive low deductibles will cost an extra $206 a year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,556 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $4,746

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $320 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 More Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance consists of being a good driver, having above-average credit, being claim-free, and avoiding coverage lapses. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the car insurance concepts raised in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,370 more per year than a safer driver
• It is possible to save around $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers who purchase an increased level of liability coverage will pay around $590 annually to raise from a 30/60 limit to 250/500 limits