GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs an estimated $186 each year, collision costs $250, and liability is estimated at $534. A policy with just liability insurance costs approximately $588 a year, with coverage for high-risk drivers costing around $2,474. 16-year-old drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Sierra 3500HD models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts insurance prices.

These examples highlight why all drivers should get quotes for a targeted area, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save approximately $100 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,150
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,338
• Unlucky drivers with multiple tickets or accidents could pay up to $2,474 or more
• The cost that insures a teen driver can cost as much as $4,630 each year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying $1,400 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 135% more than the average rate. 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 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $290 every year, whereas increasing liability limits will increase premiums. Changing 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 figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, 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 Cheap GMC Sierra 3500HD Insurance

Saving money on car insurance takes being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief summary of the car insurance concepts touched on above.

• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,320 more annually to insure their Sierra 3500HD
• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing deductibles can save approximately $300 each year
• Policyholders who want more liability coverage will pay around $590 per year to raise limits from a minimum limit to the 250/500 level