GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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Average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $250, and liability insurance costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs $2,474 or more. Teen drivers receive the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,150
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, liability limits of 30/60, 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
For a 40-year-old driver, prices range range from the low end price of $588 for basic liability insurance to the much higher price of $2,474 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.
These examples demonstrate why everyone should compare rates for a targeted area, rather than relying on price averages.
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.
Rate Comparisons
The chart below details average GMC Sierra 3500HD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $698
- Drivers who choose higher $1,000 deductibles will pay approximately $100 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,150
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $188 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,474
- The cost that insures a teen driver for full coverage can cost as much as $4,630 a year
Insurance rates for a GMC Sierra 3500HD can also vary considerably based on the model of your Sierra 3500HD, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,400 to $1,900 extra per year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can cost anywhere from 41% to 135% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age
Where you live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,550 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$110 | -9.6% |
| Alaska | $884 | -$266 | -23.1% |
| Arizona | $954 | -$196 | -17.0% |
| Arkansas | $1,150 | -$0 | 0.0% |
| California | $1,310 | $160 | 13.9% |
| Colorado | $1,096 | -$54 | -4.7% |
| Connecticut | $1,182 | $32 | 2.8% |
| Delaware | $1,302 | $152 | 13.2% |
| Florida | $1,440 | $290 | 25.2% |
| Georgia | $1,062 | -$88 | -7.7% |
| Hawaii | $824 | -$326 | -28.3% |
| Idaho | $778 | -$372 | -32.3% |
| Illinois | $856 | -$294 | -25.6% |
| Indiana | $868 | -$282 | -24.5% |
| Iowa | $776 | -$374 | -32.5% |
| Kansas | $1,092 | -$58 | -5.0% |
| Kentucky | $1,568 | $418 | 36.3% |
| Louisiana | $1,704 | $554 | 48.2% |
| Maine | $712 | -$438 | -38.1% |
| Maryland | $950 | -$200 | -17.4% |
| Massachusetts | $920 | -$230 | -20.0% |
| Michigan | $1,994 | $844 | 73.4% |
| Minnesota | $962 | -$188 | -16.3% |
| Mississippi | $1,378 | $228 | 19.8% |
| Missouri | $1,020 | -$130 | -11.3% |
| Montana | $1,234 | $84 | 7.3% |
| Nebraska | $908 | -$242 | -21.0% |
| Nevada | $1,380 | $230 | 20.0% |
| New Hampshire | $830 | -$320 | -27.8% |
| New Jersey | $1,286 | $136 | 11.8% |
| New Mexico | $1,018 | -$132 | -11.5% |
| New York | $1,210 | $60 | 5.2% |
| North Carolina | $664 | -$486 | -42.3% |
| North Dakota | $942 | -$208 | -18.1% |
| Ohio | $792 | -$358 | -31.1% |
| Oklahoma | $1,180 | $30 | 2.6% |
| Oregon | $1,054 | -$96 | -8.3% |
| Pennsylvania | $1,096 | -$54 | -4.7% |
| Rhode Island | $1,534 | $384 | 33.4% |
| South Carolina | $1,044 | -$106 | -9.2% |
| South Dakota | $972 | -$178 | -15.5% |
| Tennessee | $1,006 | -$144 | -12.5% |
| Texas | $1,384 | $234 | 20.3% |
| Utah | $850 | -$300 | -26.1% |
| Vermont | $788 | -$362 | -31.5% |
| Virginia | $688 | -$462 | -40.2% |
| Washington | $886 | -$264 | -23.0% |
| West Virginia | $1,054 | -$96 | -8.3% |
| Wisconsin | $796 | -$354 | -30.8% |
| Wyoming | $1,024 | -$126 | -11.0% |
Choosing high deductibles could save up to $290 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,026 | $86 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,222 | $102 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,064 | $89 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,082 | $90 |
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 | $344 | $626 | $450 | $1,600 |
| 2023 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2022 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2021 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
| 2019 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2018 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2017 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2016 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2015 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2014 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2013 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2012 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2011 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
| 2010 GMC Sierra 3500HD | $180 | $224 | $530 | $1,114 |
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 Find Affordable GMC Sierra 3500HD Insurance
Saving money on GMC Sierra 3500HD insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a brief review of the data that was illustrated above.
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
- Drivers who want increased liability limits will pay about $590 every year to go from a minimum limit to the 250/500 level
- Drivers under the age of 20 are charged the highest rates, with premiums as much as $386 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,320 more annually to insure a GMC Sierra 3500HD
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,150 |
| 50 | $1,056 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,254 |
| $500 | $1,150 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,150 |
| 50/100 | $1,177 |
| 100/300 | $1,295 |
| 250/500 | $1,603 |
| 100 CSL | $1,224 |
| 300 CSL | $1,485 |
| 500 CSL | $1,675 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,526 |
| 20 | $4,190 |
| 30 | $2,496 |
| 40 | $2,474 |
| 50 | $2,368 |
| 60 | $2,342 |
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 | $58 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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