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 an estimated $186 a year, collision insurance costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teen drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $1,050 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,150
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $188 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,474
• The price for full coverage for a teenage driver can cost as much as $4,630 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $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 as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you have some driving violations or tend to cause accidents, you may be forking out $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 41% to 135% more than average. View High Risk Driver Rates

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 Affordable GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief review of the coverage data raised in the charts and tables above.

• You may be able to save approximately $130 per year just by quoting early and online
• Increasing physical damage deductibles can save around $300 each year
• Youthful drivers are expensive to insure, costing up to $386 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,320 more annually than a low-risk driver