GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year with full coverage. Comprehensive insurance costs on average $186, collision insurance costs $250, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teens cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below details average GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay around $100 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $188 annually
• Drivers with serious driving violations could pay upwards of $2,474
• Policy cost that insures a 16-year-old driver with full coverage may 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 age and driving habits, and policy deductibles and limits.

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

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

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

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 Right GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare rates at every other renewal by quoting rates from direct companies, and also from several local insurance agents.

Below is a quick rundown of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,320 more each year for auto insurance
• Teenage drivers pay the highest rates, as much as $386 each month if full coverage is included
• You may be able to save as much as $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• You may be able to save as much as $130 per year just by shopping early and online