GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive insurance costs approximately $186 each year, collision costs $250, and liability coverage costs $534. A policy with just liability insurance costs as little as $588 a year, with coverage for high-risk drivers costing $2,474 or more. Teenage drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Sierra 3500HD models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location, rather than using average rates.

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

More Rate Details

The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay $100 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,150
• Using low deductibles for comprehensive and collision insurance will cost an additional $188 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,474 or more
• The price that insures a teenage driver can cost $4,630 a year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $290 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite different.

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 Cheap GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct companies, and also from local insurance agencies.

The items below are a quick review of the material that was presented in the illustrations above.

• Consumers who purchase more liability coverage will pay an extra $590 every year to go from a low limit to the 250/500 level
• Teen drivers are expensive to insure, costing up to $386 a month if full coverage is included
• Drivers with a DUI or reckless driving violation may have to pay on average $1,320 more per year to insure their Sierra 3500HD
• Increasing physical damage deductibles can save approximately $300 each year