GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs on average $186, collision costs $250, and liability coverage costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,474. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save around $100 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,150
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• Policy cost that insures a teenage driver for full coverage may cost $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model of your Sierra 3500HD, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can be around 41% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $290 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied.

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

Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every other policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the ideas that were touched on above.

• 16 to 18-year-old drivers pay higher rates, with premiums being up to $386 each month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,320 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date