GMC Sierra 3500HD Insurance Rates

Estimated insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $186 a year, collision costs $250, and liability insurance is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,474 or more. Teenage drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $1,050 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage costs an extra $188 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,474 or more
• An auto insurance policy to insure a teen driver can cost as much as $4,630 each year

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Insurance prices for a GMC Sierra 3500HD also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $290 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.

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 Shop for the Best GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the concepts that were covered above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,320 more annually to buy GMC Sierra 3500HD insurance
• Drivers age 20 and younger are expensive to insure, with premiums being up to $386 per month if full coverage is included
• It is possible to save approximately $130 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $300 each year
• It is possible to save approximately $130 per year simply by quoting early and online