GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs on average $186, collision costs $250, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,474. 16-year-old drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities.

The example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why everyone should get quotes based on a specific location and risk profile, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save around $100 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,150
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,338
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,474 or more
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,630 each year

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you choose to 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 $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $290 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers ranges as much as 41% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

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 the Cheapest GMC Sierra 3500HD Insurance

Finding better rates on car insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a recap of the data that was covered in the above illustrations.

• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Policyholders who require more liability coverage will pay around $590 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are charged the highest prices, with premiums being up to $386 per month if they have full coverage
• Higher risk drivers that have major violations or accidents pay an average of $1,320 more each year to insure their Sierra 3500HD