GMC Sierra 3500HD SLE Crew Cab 4WD Insurance Rates

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The average insurance rates for a GMC Sierra 3500HD SLE Crew Cab 4WD are $1,734 a year for full coverage. Comprehensive costs an estimated $382 a year, collision costs $698, and liability coverage costs around $454. Liability-only coverage costs as low as $538 a year, with high-risk coverage costing around $3,740. Teenage drivers cost the most to insure at $6,390 a year or more.

Annual premium for full coverage: $1,734

Policy rates broken down by individual coverage type:

Comprehensive $382
Collision $698
Liability $454

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this GMC Sierra 3500HD Trim Level

For a driver in their 40's, GMC Sierra 3500HD SLE Crew Cab 4WD insurance rates go from as low as $538 for just liability coverage to a high of $3,740 for a driver who has had serious violations or accidents.

Liability Only $538
Full Coverage $1,734
High Risk $3,740

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $1,301
Small Cities $1,821
Large Cities $2,341

These price differences show why it is important for drivers to compare prices for a targeted area and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies with Cheap GMC Sierra 3500HD SLE Crew Cab 4WD Insurance

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Insurance prices for a GMC Sierra 3500HD SLE Crew Cab 4WD also range considerably based on your risk profile, the model year of your Sierra 3500HD, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $6,300 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD SLE Crew Cab 4WD insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $730 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $408 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $2,000 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

View Chart as Image

GMC Sierra 3500HD SLE Crew Cab 4WD insurance cost comparison chart
Column chart showing GMC Sierra 3500HD SLE Crew Cab 4WD insurance prices range from $999 to $6,390 for full coverage

Chart shows GMC Sierra 3500HD SLE Crew Cab 4WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $999. Drivers who use higher $1,000 deductibles will pay around $1,488. The average rate for a driver around age 40 using $500 deductibles is $1,734. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $2,212. Drivers with multiple violations and accidents could be charged around $3,740. The cost for full coverage insurance for a teenage driver can be as high as $6,390.

GMC Sierra 3500HD SLE Crew Cab 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,566 -$168 -9.7%
Alaska $1,328 -$406 -23.4%
Arizona $1,440 -$294 -17.0%
Arkansas $1,734 -$0 0.0%
California $1,976 $242 14.0%
Colorado $1,654 -$80 -4.6%
Connecticut $1,780 $46 2.7%
Delaware $1,962 $228 13.1%
Florida $2,166 $432 24.9%
Georgia $1,600 -$134 -7.7%
Hawaii $1,244 -$490 -28.3%
Idaho $1,174 -$560 -32.3%
Illinois $1,290 -$444 -25.6%
Indiana $1,306 -$428 -24.7%
Iowa $1,172 -$562 -32.4%
Kansas $1,644 -$90 -5.2%
Kentucky $2,364 $630 36.3%
Louisiana $2,566 $832 48.0%
Maine $1,070 -$664 -38.3%
Maryland $1,430 -$304 -17.5%
Massachusetts $1,386 -$348 -20.1%
Michigan $3,010 $1,276 73.6%
Minnesota $1,450 -$284 -16.4%
Mississippi $2,076 $342 19.7%
Missouri $1,540 -$194 -11.2%
Montana $1,862 $128 7.4%
Nebraska $1,366 -$368 -21.2%
Nevada $2,078 $344 19.8%
New Hampshire $1,250 -$484 -27.9%
New Jersey $1,938 $204 11.8%
New Mexico $1,534 -$200 -11.5%
New York $1,822 $88 5.1%
North Carolina $998 -$736 -42.4%
North Dakota $1,420 -$314 -18.1%
Ohio $1,198 -$536 -30.9%
Oklahoma $1,778 $44 2.5%
Oregon $1,588 -$146 -8.4%
Pennsylvania $1,654 -$80 -4.6%
Rhode Island $2,312 $578 33.3%
South Carolina $1,570 -$164 -9.5%
South Dakota $1,464 -$270 -15.6%
Tennessee $1,516 -$218 -12.6%
Texas $2,088 $354 20.4%
Utah $1,282 -$452 -26.1%
Vermont $1,186 -$548 -31.6%
Virginia $1,038 -$696 -40.1%
Washington $1,338 -$396 -22.8%
West Virginia $1,588 -$146 -8.4%
Wisconsin $1,200 -$534 -30.8%
Wyoming $1,544 -$190 -11.0%

View Chart as Image

GMC Sierra 3500HD SLE Crew Cab 4WD insurance rates by U.S. city

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Rates by Driver Age

GMC Sierra 3500HD SLE Crew Cab 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $6,390
20 $3,998
30 $1,812
40 $1,734
50 $1,582
60 $1,550

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 3500HD SLE Crew Cab 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,212
$250 $1,990
$500 $1,734
$1,000 $1,488

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD SLE Crew Cab 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,734
50/100 $1,825
100/300 $1,938
250/500 $2,233
100 CSL $1,870
300 CSL $2,120
500 CSL $2,302

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 3500HD SLE Crew Cab 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $9,124
20 $6,352
30 $3,830
40 $3,740
50 $3,570
60 $3,534

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.

SR-22 Surcharge $240

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $92
Multi-vehicle $89
Homeowner $24
5-yr Accident Free $129
5-yr Claim Free $111
Paid in Full/EFT $81
Advance Quote $86
Online Quote $123
Total Discounts $735
Rate after discounts $999

Discounts are estimated and may not be available from every company or in every state.

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