GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below details estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save approximately $100 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,150
• Selecting low deductibles for comp and collision coverage costs an additional $188 a year
• High-risk insureds with serious driving violations could pay up to $2,474 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,630 each year

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Insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little 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 should be prepared to pay at least $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 may be forking out $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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 $830 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, and 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 Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance takes being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data presented in the illustrations above.

• Drivers who want an increased level of liability coverage will pay approximately $590 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers age 16 to 20 are expensive to insure, as much as $386 each month if they have full coverage