GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually for full coverage. Comprehensive costs approximately $186, collision costs $250, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing around $2,474. Teens 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:

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay $100 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,338
• High risk drivers with serious driving violations could pay around $2,474 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $4,630 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $290 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied 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 More Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a summary of the ideas that were presented in the illustrations above.

• Drivers age 20 and younger are expensive to insure, costing up to $386 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay on average $1,320 more per year to buy GMC Sierra 3500HD insurance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers can save around $130 per year simply by shopping early and online