GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually with full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $250, and liability coverage is $534. A liability-only policy costs around $588 a year, and high-risk insurance costs $2,474 or more. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below details average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save approximately $100 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,150
• Using pricier low deductibles costs an additional $188 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,474
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $4,630

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Car insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $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 may be forking out $1,400 to $1,900 extra every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers is expensive and can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $290 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

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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 Right GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the car insurance concepts covered above.

• Drivers with reckless driving or DUI convictions pay on average $1,320 more annually for auto insurance
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Consumers who want higher levels of liability will pay an extra $590 every year to raise from a 30/60 limit to higher 250/500 limits