GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $250, and liability insurance costs around $534. Liability-only insurance costs as low as $588 a year, and high-risk driver insurance costs $2,474 or more. Teen drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

These rate differences highlight why it is important to compare prices for a targeted area, rather than relying on price averages.

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

Additional Rate Details

The chart below breaks down average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save approximately $1,050 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,150
• Choosing low $100 deductibles for physical damage coverage will cost an additional $188 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,474
• An auto insurance policy that insures a teen driver can cost as much as $4,630 or more

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on the trim level of your Sierra 3500HD, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $290 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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 the Best GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance requires being a safe and courteous driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Shop around every other policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a brief recap of the ideas that were touched on above.

• Teenage drivers are expensive to insure, with the cost nearing $386 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations could be charged and average of $1,320 more annually for auto insurance
• Increasing policy deductibles can save approximately $300 each year
• You may be able to save approximately $130 per year just by quoting early and online