GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive costs approximately $186, collision costs $250, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,474. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Sierra 3500HD models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These examples demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below details estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save $100 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,150
• Using pricier low deductibles will increase the cost to $1,338
• At-risk drivers who are prone to accidents and violations could pay around $2,474 or more
• The cost for full coverage for a teen driver for full coverage can cost $4,630

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Auto insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can reduce rates by up to $290 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers is expensive and can cost as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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

Saving money on car insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a recap of the concepts that were touched on above.

• Higher risk drivers that have major violations or accidents pay on average $1,320 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $386 per month if they have full coverage
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $300 each year
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date