GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs approximately $186 a year, collision costs $250, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,474. Teenage drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why it is important to compare rates using their specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay $1,050 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,150
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,338
• High risk drivers who are prone to accidents and violations could pay around $2,474 or more
• An auto insurance policy for full coverage for a teen driver can cost $4,630 a year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the model of your Sierra 3500HD, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $290 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 better rates on GMC Sierra 3500HD insurance not only requires having a good driving record, but also maintaining good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the data that was covered above.

• You may be able to save around $130 per year simply by quoting early and online
• Drivers who purchase increased levels of liability coverage will pay an extra $590 per year to go from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger are expensive to insure, with the cost nearing $386 per month for full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,320 more per year to buy GMC Sierra 3500HD insurance