GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive insurance costs on average $186 each year, collision costs $250, and liability costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers 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:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Sierra 3500HD models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

These examples demonstrate why all drivers should compare prices based on a specific location, instead of using average rates.

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

Detailed Rate Analysis

The chart below details 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 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,150
• Using low deductibles for physical damage coverage will cost an additional $188 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• The cost that insures a teen driver may cost $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,400 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

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

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different.

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 Low Cost GMC Sierra 3500HD Insurance

Saving money on car insurance requires avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare prices at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the concepts that were touched on above.

• Higher risk drivers who have several accidents or serious violations pay on average $1,320 more each year for car insurance
• Teenagers pay higher rates, with premiums as much as $386 per month if comprehensive and collision insurance is included
• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing deductibles can save approximately $300 each year
• You may be able to save as much as $130 per year simply by quoting online in advance