GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs an estimated $186 each year, collision insurance costs $250, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,474. 16-year-old drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area, instead of using rate averages.

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

Additional Rate Information

The chart below illustrates average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best full coverage rate is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,150
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,474
• Policy cost that insures a teen driver can cost as much as $4,630 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,550 on average in Florida, New York, and Michigan.

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Opting for high physical damage deductibles could save up to $290 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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 Low Cost GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit score, being claim-free, and possibly raising deductibles. Comparison shop at every policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a review of the data covered above.

• Policyholders who want an increased level of liability coverage will pay around $590 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save approximately $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $386 each month if comprehensive and collision insurance is included