GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,186 a year including full coverage. Comprehensive costs on average $198 a year, collision costs $274, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing around $2,556. 16-year-old drivers pay the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above highlight why it is important to compare rates based on a specific location, rather than using rate averages.

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

Additional Rate Details

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $715
• Drivers who choose higher $1,000 deductibles will pay around $1,078 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,186
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,392
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,556 or more
• The price that insures a teenage driver may cost $4,746 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $320 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, 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 Find Affordable GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit score, being claim-free, and insuring your home and auto with the same company. Comparison shop at least every other year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,370 more each year than a safer driver
• You may be able to save as much as $130 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $325 each year
• Consumers who require an increased level of liability coverage will pay around $590 per year to go from a low limit to the 250/500 level