GMC Sierra 3500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months with full coverage. Comprehensive insurance costs approximately $186 each year, collision insurance costs $250, and liability coverage costs $534. A policy with only liability insurance costs as little as $588 a year, and a high-risk policy costs $2,474 or more. Teens pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

These rate differences demonstrate why all drivers should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details average GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay $100 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,150
• Selecting low deductibles for comprehensive and collision insurance costs an extra $188 each year
• High-risk insureds with serious driving violations could pay around $2,474
• An auto insurance policy to insure a teenage driver can cost $4,630 a year

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Car insurance prices for a GMC Sierra 3500HD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Sierra 3500HD.

Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver 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.

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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

Finding better rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following items are a condensed summary of the information covered in the charts and tables above.

• You may be able to save around $130 per year just by quoting online in advance
• 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $386 per month if the policy includes full coverage
• Increasing policy deductibles could save as much as $300 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,320 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay approximately $590 every year to go from 30/60 bodily injury limits to a 250/500 level