GMC Sierra 3500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
U.S. average insurance prices for a GMC Sierra 3500HD are $1,186 every 12 months including full coverage. Comprehensive insurance costs an estimated $198, collision costs $274, and liability insurance costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,556 or more. Teens pay the highest rates at $4,746 a year or more.
Average premium for full coverage: $1,186
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, GMC Sierra 3500HD insurance prices go from the cheapest price of $588 for just liability coverage to a much higher rate of $2,556 for a high-risk insurance policy.
Geographic Price Range
Your location has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying 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 breaks down estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $715
- Drivers who choose higher $1,000 deductibles will pay approximately $108 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,186
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $206 a year
- High risk drivers with serious driving violations could pay up to $2,556 or more
- The price to insure a teen driver with full coverage can cost as much as $4,746 a year
Car insurance prices for a GMC Sierra 3500HD are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $320 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates
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 Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every company calculates prices differently, so rate quotes may be quite different.
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 Shop for More Affordable GMC Sierra 3500HD Insurance
Getting lower rates on GMC Sierra 3500HD insurance not only requires being a good driver, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,370 more annually than a safer driver
- You may be able to save approximately $130 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $325 each year
- Drivers who want an increased level of liability coverage will pay approximately $590 per year to go from a low limit to a 250/500 level
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
