GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above show why it is important to get quotes using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save $1,050 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage will cost an additional $188 each year
• Drivers who are prone to accidents and violations could pay around $2,474
• Policy cost that insures a teenage driver can cost $4,630 each year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level of your Sierra 3500HD, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges around 41% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, 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 $4,600 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $290 a year, while buying higher liability limits will push rates upward. Going 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 the Best GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least once a year by requesting rates from direct carriers, and also from insurance agencies where you live.

The following is a brief recap of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $130 per year just by quoting early and online
• Drivers who tend to receive serious violations could be forced to pay on average $1,320 more per year for Sierra 3500HD insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teens are expensive to insure, costing up to $386 each month if full coverage is included