GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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 discount rate is $698
• Choosing higher $1,000 deductibles can save $100 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Using low deductibles for comp and collision coverage will cost $1,338
• Higher-risk drivers who are prone to accidents and violations could pay around $2,474 or more
• Policy cost with full coverage for a 16-year-old driver can cost $4,630 each year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied 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 Low Cost GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD takes not taking risks behind the wheel, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

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

• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,320 more per year for Sierra 3500HD insurance
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Insureds who purchase higher liability limits will pay an extra $590 annually to raise limits from a 30/60 limit to higher 250/500 limits