GMC Sierra 3500HD Insurance Rates

U.S. average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months with full coverage. Comprehensive insurance costs an estimated $186 a year, collision costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teens pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below details estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save approximately $1,050 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,150
• Selecting low $100 deductibles for comp and collision coverage costs an extra $188 a year
• High-risk insureds with serious driving violations could pay up to $2,474 or more
• The price to insure a teen driver can cost as much as $4,630 each year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than the average policy. 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 $830 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, and prices may be quite 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 Shop for Cheaper GMC Sierra 3500HD Insurance

Getting lower rates on GMC Sierra 3500HD insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a condensed summary of the coverage data illustrated above.

• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $386 a month if full coverage is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,320 more annually than a safer driver