GMC Sierra 3500HD Insurance Rates

The average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $186, collision insurance costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $100 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,150
• Using pricier low deductibles for comp and collision coverage costs an extra $188 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,474
• Policy cost to insure a teen driver for full coverage can cost as much as $4,630 each year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

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

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $1,900 extra every 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

Your home state plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance takes being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the data that was covered in the above illustrations.

• It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
• Drivers who want more liability protection will pay an extra $590 annually to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers are charged the highest rates, possibly costing $386 each month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,320 more annually than a low-risk driver