GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs an estimated $186, collision costs $250, and liability costs $534. A liability-only policy costs as little as $588 a year, with high-risk insurance costing around $2,474. Teens pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• Higher-risk drivers with serious driving violations could pay up to $2,474 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,630 a year

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Auto insurance prices for a GMC Sierra 3500HD also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 41% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,550 on average in Florida, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $290 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially 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

Finding better rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates every year by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the coverage data touched on in this article.

• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $300 each year
• Youthful drivers are the costliest to insure, with premiums being up to $386 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,320 more annually than a low-risk driver