GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs on average $186, collision costs $250, and liability insurance is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing $2,474 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Sierra 3500HD models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

These examples show why everyone should get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save around $100 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,150
• Using pricier low deductibles for comp and collision coverage will cost an extra $188 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474 or more
• The cost for full coverage for a teen driver for full coverage may cost $4,630 each year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the trim level of your Sierra 3500HD, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $290 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra per year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers ranges anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 Cheap GMC Sierra 3500HD Insurance

Saving money on GMC Sierra 3500HD insurance takes avoiding accidents and claims, maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Set aside time to shop around once a year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a brief summary of the data that was raised in the charts and tables above.

• Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
• Drivers who require increased liability limits will pay an extra $590 each year to raise limits from a minimum limit to 250/500 limits
• Drivers under the age of 20 pay the highest rates, costing as high as $386 per month for full coverage
• High-risk drivers that tend to have accidents or serious violations will pay on average $1,320 more each year to insure a GMC Sierra 3500HD