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 is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,556. Teenage drivers pay the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Price estimates by individual coverage:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

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

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

More Rate Information

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

• The best discount rate is $715
• Raising to $1,000 deductibles will save around $1,078 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,186
• Using low $100 deductibles bumps up the cost to $1,392
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,556 or more
• The price that insures a teenage driver may cost $4,746

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 is expensive and can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher 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 also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find prices as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by 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 auto insurance company uses a different method to calculate prices, 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 the Best GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the primary concepts that were illustrated above.

• You may be able to save as much as $130 per year simply by quoting early and online
• Drivers who tend to receive serious violations could be forced to pay on average $1,370 more each year for Sierra 3500HD insurance
• Increasing physical damage deductibles can save approximately $325 each year
• Teens pay higher prices, possibly costing $396 a month if comprehensive and collision insurance is included