GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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The average auto insurance rates for a GMC Sierra 3500HD are $1,186 annually for full coverage insurance. Comprehensive insurance costs on average $198, collision costs $274, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,556 or more. Teen 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:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Sierra 3500HD models.
Price Range Variability
For a driver around age 40, GMC Sierra 3500HD insurance rates go from as cheap as $588 for your basic liability-only policy to the much higher price of $2,556 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $715
- Raising to $1,000 deductibles will save around $108 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,186
- Choosing pricier low deductibles costs an additional $206 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,556 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,746
Car insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,700 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 at a minimum $1,400 to $2,000 extra every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers is expensive and can cost from 42% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $320 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,074 | -$112 | -9.4% |
Alaska | $910 | -$276 | -23.3% |
Arizona | $986 | -$200 | -16.9% |
Arkansas | $1,186 | -$0 | 0.0% |
California | $1,354 | $168 | 14.2% |
Colorado | $1,132 | -$54 | -4.6% |
Connecticut | $1,220 | $34 | 2.9% |
Delaware | $1,342 | $156 | 13.2% |
Florida | $1,486 | $300 | 25.3% |
Georgia | $1,098 | -$88 | -7.4% |
Hawaii | $852 | -$334 | -28.2% |
Idaho | $804 | -$382 | -32.2% |
Illinois | $882 | -$304 | -25.6% |
Indiana | $898 | -$288 | -24.3% |
Iowa | $802 | -$384 | -32.4% |
Kansas | $1,126 | -$60 | -5.1% |
Kentucky | $1,618 | $432 | 36.4% |
Louisiana | $1,758 | $572 | 48.2% |
Maine | $734 | -$452 | -38.1% |
Maryland | $980 | -$206 | -17.4% |
Massachusetts | $948 | -$238 | -20.1% |
Michigan | $2,060 | $874 | 73.7% |
Minnesota | $994 | -$192 | -16.2% |
Mississippi | $1,424 | $238 | 20.1% |
Missouri | $1,052 | -$134 | -11.3% |
Montana | $1,276 | $90 | 7.6% |
Nebraska | $936 | -$250 | -21.1% |
Nevada | $1,426 | $240 | 20.2% |
New Hampshire | $856 | -$330 | -27.8% |
New Jersey | $1,328 | $142 | 12.0% |
New Mexico | $1,052 | -$134 | -11.3% |
New York | $1,250 | $64 | 5.4% |
North Carolina | $684 | -$502 | -42.3% |
North Dakota | $972 | -$214 | -18.0% |
Ohio | $818 | -$368 | -31.0% |
Oklahoma | $1,218 | $32 | 2.7% |
Oregon | $1,088 | -$98 | -8.3% |
Pennsylvania | $1,132 | -$54 | -4.6% |
Rhode Island | $1,582 | $396 | 33.4% |
South Carolina | $1,076 | -$110 | -9.3% |
South Dakota | $1,004 | -$182 | -15.3% |
Tennessee | $1,038 | -$148 | -12.5% |
Texas | $1,428 | $242 | 20.4% |
Utah | $878 | -$308 | -26.0% |
Vermont | $814 | -$372 | -31.4% |
Virginia | $708 | -$478 | -40.3% |
Washington | $916 | -$270 | -22.8% |
West Virginia | $1,088 | -$98 | -8.3% |
Wisconsin | $822 | -$364 | -30.7% |
Wyoming | $1,056 | -$130 | -11.0% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Sierra 3500HD SLE Regular Cab 2WD | $1,060 | $88 |
GMC Sierra 3500HD SLE Regular Cab 4WD | $1,258 | $105 |
GMC Sierra 3500HD SLE Crew Cab 2WD | $1,078 | $90 |
GMC Sierra 3500HD SLE Extended Cab 2WD | $1,078 | $90 |
GMC Sierra 3500HD SLE Crew Cab 4WD | $1,278 | $107 |
GMC Sierra 3500HD SLE Extended Cab 4WD | $1,278 | $107 |
GMC Sierra 3500HD SLT Extended Cab 2WD | $1,100 | $92 |
GMC Sierra 3500HD SLT Crew Cab 4WD | $1,298 | $108 |
GMC Sierra 3500HD SLT Extended Cab 4WD | $1,298 | $108 |
GMC Sierra 3500HD SLT Crew Cab 2WD | $1,118 | $93 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 GMC Sierra 3500HD | $358 | $630 | $440 | $1,608 |
2023 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
2022 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
2021 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
2019 GMC Sierra 3500HD | $292 | $524 | $510 | $1,506 |
2018 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
2017 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
2016 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
2015 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
2014 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
2013 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
2012 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
2011 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
2010 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best GMC Sierra 3500HD Insurance
Finding cheaper rates on insurance for a GMC Sierra 3500HD consists of being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a brief recap of the material that was covered above.
- Insureds who require more liability coverage will pay about $590 annually to raise from a 30/60 limit to higher 250/500 limits
- Teen drivers are expensive to insure, possibly costing $396 each month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,370 more each year to insure their Sierra 3500HD
- Increasing comprehensive and collision deductibles could save up to $325 each year
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,746 |
20 | $2,716 |
30 | $1,210 |
40 | $1,186 |
50 | $1,090 |
60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,392 |
$250 | $1,298 |
$500 | $1,186 |
$1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,186 |
50/100 | $1,213 |
100/300 | $1,331 |
250/500 | $1,639 |
100 CSL | $1,260 |
300 CSL | $1,521 |
500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,700 |
20 | $4,328 |
30 | $2,580 |
40 | $2,556 |
50 | $2,446 |
60 | $2,420 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $60 |
Multi-vehicle | $64 |
Homeowner | $21 |
5-yr Accident Free | $74 |
5-yr Claim Free | $75 |
Paid in Full/EFT | $44 |
Advance Quote | $53 |
Online Quote | $80 |
Total Discounts | $471 |
Discounts are estimated and may not be available from every company or in every state.
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