GMC Sierra 3500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually including full coverage. Comprehensive insurance costs on average $186 each year, collision costs $250, and liability coverage is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teenage drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Includes $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Sierra 3500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save around $100 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,150
• Using low deductibles for comp and collision coverage costs an additional $188 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• The price with full coverage for a teenage driver may cost $4,630 each year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges around 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy the Cheapest GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a recap of the coverage data covered in the charts and tables above.

• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $300 each year
• Teens pay higher prices, possibly costing $386 a month if they have full coverage
• Drivers that have major violations or accidents pay on average $1,320 more each year for Sierra 3500HD insurance