GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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U.S. average insurance prices for a GMC Sierra 3500HD are $1,186 every 12 months with full coverage. Comprehensive insurance costs around $198, collision costs $274, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,556 or more. 16-year-old drivers pay the highest rates at $4,746 a year or more.
Average premium for full coverage: $1,186
Price estimates for individual coverage:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Sierra 3500HD trim levels.
Price Range from Low to High
For a driver in their 40's, GMC Sierra 3500HD insurance prices go from the cheapest price of $588 for a discount liability-only rate to a much higher rate of $2,556 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $715
- Choosing higher $1,000 deductibles can save about $108 annually
- The average price for the average middle-age driver using $500 deductibles is $1,186
- Buying more expensive low deductibles for comp and collision coverage costs an extra $206 each year
- Drivers with multiple tickets or accidents could pay at least $2,556 or more
- The price to insure a teenage driver with full coverage can be $4,746 each year
Car insurance prices for a GMC Sierra 3500HD are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $320 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges around 42% to 131% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,600 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,074 | -$112 | -9.4% |
| Alaska | $910 | -$276 | -23.3% |
| Arizona | $986 | -$200 | -16.9% |
| Arkansas | $1,186 | -$0 | 0.0% |
| California | $1,354 | $168 | 14.2% |
| Colorado | $1,132 | -$54 | -4.6% |
| Connecticut | $1,220 | $34 | 2.9% |
| Delaware | $1,342 | $156 | 13.2% |
| Florida | $1,486 | $300 | 25.3% |
| Georgia | $1,098 | -$88 | -7.4% |
| Hawaii | $852 | -$334 | -28.2% |
| Idaho | $804 | -$382 | -32.2% |
| Illinois | $882 | -$304 | -25.6% |
| Indiana | $898 | -$288 | -24.3% |
| Iowa | $802 | -$384 | -32.4% |
| Kansas | $1,126 | -$60 | -5.1% |
| Kentucky | $1,618 | $432 | 36.4% |
| Louisiana | $1,758 | $572 | 48.2% |
| Maine | $734 | -$452 | -38.1% |
| Maryland | $980 | -$206 | -17.4% |
| Massachusetts | $948 | -$238 | -20.1% |
| Michigan | $2,060 | $874 | 73.7% |
| Minnesota | $994 | -$192 | -16.2% |
| Mississippi | $1,424 | $238 | 20.1% |
| Missouri | $1,052 | -$134 | -11.3% |
| Montana | $1,276 | $90 | 7.6% |
| Nebraska | $936 | -$250 | -21.1% |
| Nevada | $1,426 | $240 | 20.2% |
| New Hampshire | $856 | -$330 | -27.8% |
| New Jersey | $1,328 | $142 | 12.0% |
| New Mexico | $1,052 | -$134 | -11.3% |
| New York | $1,250 | $64 | 5.4% |
| North Carolina | $684 | -$502 | -42.3% |
| North Dakota | $972 | -$214 | -18.0% |
| Ohio | $818 | -$368 | -31.0% |
| Oklahoma | $1,218 | $32 | 2.7% |
| Oregon | $1,088 | -$98 | -8.3% |
| Pennsylvania | $1,132 | -$54 | -4.6% |
| Rhode Island | $1,582 | $396 | 33.4% |
| South Carolina | $1,076 | -$110 | -9.3% |
| South Dakota | $1,004 | -$182 | -15.3% |
| Tennessee | $1,038 | -$148 | -12.5% |
| Texas | $1,428 | $242 | 20.4% |
| Utah | $878 | -$308 | -26.0% |
| Vermont | $814 | -$372 | -31.4% |
| Virginia | $708 | -$478 | -40.3% |
| Washington | $916 | -$270 | -22.8% |
| West Virginia | $1,088 | -$98 | -8.3% |
| Wisconsin | $822 | -$364 | -30.7% |
| Wyoming | $1,056 | -$130 | -11.0% |
Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,060 | $88 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,078 | $90 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,078 | $90 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,278 | $107 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,278 | $107 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,100 | $92 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,298 | $108 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,298 | $108 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,118 | $93 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $358 | $630 | $440 | $1,608 |
| 2023 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2022 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2021 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2019 GMC Sierra 3500HD | $292 | $524 | $510 | $1,506 |
| 2018 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2017 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2016 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2015 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2014 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2013 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2012 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2011 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2010 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest GMC Sierra 3500HD Insurance
Getting lower rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a recap of the data that was covered in the charts and tables above.
- You may be able to save up to $130 per year simply by shopping early and online
- Consumers who may need higher levels of liability will pay around $590 every year to raise limits from a low limit to a 250/500 level
- Teenage drivers are the costliest to insure, costing up to $396 a month if the policy includes full coverage
- Drivers that have major violations or accidents pay on average $1,370 more every year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,746 |
| 20 | $2,716 |
| 30 | $1,210 |
| 40 | $1,186 |
| 50 | $1,090 |
| 60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,298 |
| $500 | $1,186 |
| $1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,186 |
| 50/100 | $1,213 |
| 100/300 | $1,331 |
| 250/500 | $1,639 |
| 100 CSL | $1,260 |
| 300 CSL | $1,521 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,328 |
| 30 | $2,580 |
| 40 | $2,556 |
| 50 | $2,446 |
| 60 | $2,420 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $471 |
Discounts are estimated and may not be available from every company or in every state.
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