GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities.

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

The examples above show why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below shows 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 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,150
• Buying more expensive low deductibles for comp and collision coverage will cost an additional $188 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,474 or more
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,630 each year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance ranges from 41% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually 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 upwards of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $290 annually, while increasing your policy's liability limits will cost you more. Going 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

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates will be varied.

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

Finding cheaper rates on insurance for a GMC Sierra 3500HD takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a brief recap of the information covered in the above illustrations.

• Drivers can save as much as $130 per year simply by shopping early and online
• Youthful drivers pay higher rates, costing up to $386 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,320 more each year than a low-risk driver
• Insureds who require more liability protection will pay around $590 each year to raise limits from a 30/60 limit to the 250/500 level