GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save $100 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,150
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $188 annually
• Higher-risk drivers with serious driving violations could pay around $2,474 or more
• The price that insures a 16-year-old driver with full coverage can cost $4,630 each year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance ranges from 41% to 135% more than the average policy. 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 for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

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

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Choosing higher comprehensive and collision insurance deductibles can save as much as $290 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Each auto insurer calculates prices differently, and prices may be quite 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 Find the Best GMC Sierra 3500HD Insurance

Getting lower rates on insurance for a GMC Sierra 3500HD takes having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare rates at least every other year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a brief recap of the car insurance concepts illustrated above.

• Drivers considered higher risk who tend to receive serious violations will likely pay on average $1,320 more per year than a driver with a clean driving record
• You may be able to save around $130 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $300 each year
• Insureds who purchase additional liability coverage will pay approximately $590 per year to raise limits from a low limit to the 250/500 level