GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,186 a year with full coverage. Comprehensive insurance costs around $198, collision costs $274, and liability coverage is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,556 or more. Teens receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

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

These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $715
• Choosing higher $1,000 deductibles can save about $108 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,186
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $206 each year
• Drivers with serious driving violations could pay at least $2,556 or more
• The cost for full coverage for a teenage driver with full coverage can be $4,746 each year

View Chart as Image

Auto insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $320 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance ranges around 42% to 131% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates can be significantly different 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 Low Cost GMC Sierra 3500HD Insurance

Saving money on auto insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a review of the data raised in the charts and tables above.

• Consumers who may need more liability coverage will pay approximately $590 every year to raise limits from a minimum limit to 250/500 limits
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing deductibles can save around $325 each year
• Teen drivers are expensive to insure, with premiums as much as $396 per month if they have full coverage