GMC Sierra 3500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage. Comprehensive insurance costs on average $198 a year, collision insurance costs $274, and liability costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs $2,556 or more. Teens receive the highest rates at up to $4,746 a year.
Average premium for full coverage: $1,186
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Sierra 3500HD trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $588 for just liability coverage to a high of $2,556 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.
These examples show why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows average GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $715
- Using higher $1,000 deductibles will save around $1,078 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,186
- Selecting low $100 deductibles for physical damage coverage will cost an extra $206 annually
- High-risk insureds with serious driving violations could pay upwards of $2,556
- The cost for full coverage for a 16-year-old driver may cost $4,746 or more
Car insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the trim level of your Sierra 3500HD, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,700 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 $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 42% to 131% more than the average policy. View High Risk Driver Rates
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 Find More Affordable GMC Sierra 3500HD Insurance
Saving money on insurance for a GMC Sierra 3500HD requires being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Below is a summary of the coverage data touched on above.
- Drivers can save as much as $130 per year just by quoting early and online
- Increasing deductibles can save around $325 each year
- Teenage drivers are expensive to insure, costing as high as $396 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations will pay on average $1,370 more each 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
