GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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Average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs around $186 each year, collision costs $250, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,474. Teens receive the highest rates at $4,630 a year or more.
Average premium for full coverage: $1,150
Rate estimates for individual coverage type:
These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Sierra 3500HD models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $588 for your basic liability-only policy to a high rate of $2,474 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples illustrate why all drivers should compare rates for a specific zip code, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $698
- Drivers who choose higher $1,000 deductibles will pay about $100 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,150
- Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
- Drivers with serious driving violations could pay at least $2,474 or more
- The cost that insures a 16-year-old driver can be $4,630 a year
Car insurance rates for a GMC Sierra 3500HD can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost from 41% to 135% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age
Where you live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,550 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$110 | -9.6% |
| Alaska | $884 | -$266 | -23.1% |
| Arizona | $954 | -$196 | -17.0% |
| Arkansas | $1,150 | -$0 | 0.0% |
| California | $1,310 | $160 | 13.9% |
| Colorado | $1,096 | -$54 | -4.7% |
| Connecticut | $1,182 | $32 | 2.8% |
| Delaware | $1,302 | $152 | 13.2% |
| Florida | $1,440 | $290 | 25.2% |
| Georgia | $1,062 | -$88 | -7.7% |
| Hawaii | $824 | -$326 | -28.3% |
| Idaho | $778 | -$372 | -32.3% |
| Illinois | $856 | -$294 | -25.6% |
| Indiana | $868 | -$282 | -24.5% |
| Iowa | $776 | -$374 | -32.5% |
| Kansas | $1,092 | -$58 | -5.0% |
| Kentucky | $1,568 | $418 | 36.3% |
| Louisiana | $1,704 | $554 | 48.2% |
| Maine | $712 | -$438 | -38.1% |
| Maryland | $950 | -$200 | -17.4% |
| Massachusetts | $920 | -$230 | -20.0% |
| Michigan | $1,994 | $844 | 73.4% |
| Minnesota | $962 | -$188 | -16.3% |
| Mississippi | $1,378 | $228 | 19.8% |
| Missouri | $1,020 | -$130 | -11.3% |
| Montana | $1,234 | $84 | 7.3% |
| Nebraska | $908 | -$242 | -21.0% |
| Nevada | $1,380 | $230 | 20.0% |
| New Hampshire | $830 | -$320 | -27.8% |
| New Jersey | $1,286 | $136 | 11.8% |
| New Mexico | $1,018 | -$132 | -11.5% |
| New York | $1,210 | $60 | 5.2% |
| North Carolina | $664 | -$486 | -42.3% |
| North Dakota | $942 | -$208 | -18.1% |
| Ohio | $792 | -$358 | -31.1% |
| Oklahoma | $1,180 | $30 | 2.6% |
| Oregon | $1,054 | -$96 | -8.3% |
| Pennsylvania | $1,096 | -$54 | -4.7% |
| Rhode Island | $1,534 | $384 | 33.4% |
| South Carolina | $1,044 | -$106 | -9.2% |
| South Dakota | $972 | -$178 | -15.5% |
| Tennessee | $1,006 | -$144 | -12.5% |
| Texas | $1,384 | $234 | 20.3% |
| Utah | $850 | -$300 | -26.1% |
| Vermont | $788 | -$362 | -31.5% |
| Virginia | $688 | -$462 | -40.2% |
| Washington | $886 | -$264 | -23.0% |
| West Virginia | $1,054 | -$96 | -8.3% |
| Wisconsin | $796 | -$354 | -30.8% |
| Wyoming | $1,024 | -$126 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $290 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,026 | $86 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,222 | $102 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,064 | $89 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,082 | $90 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2023 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2022 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2021 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
| 2019 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2018 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2017 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2016 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2015 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2014 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2013 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2012 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2011 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
| 2010 GMC Sierra 3500HD | $180 | $224 | $530 | $1,114 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap GMC Sierra 3500HD Insurance
Saving money on insurance for a GMC Sierra 3500HD not only requires not taking risks behind the wheel, but also having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the car insurance concepts covered above.
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,320 more every year for Sierra 3500HD insurance
- It is possible to save up to $130 per year simply by quoting online in advance
- Increasing deductibles can save approximately $300 each year
- Insureds who may need higher liability limits will pay approximately $590 annually to go from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,150 |
| 50 | $1,056 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,254 |
| $500 | $1,150 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,150 |
| 50/100 | $1,177 |
| 100/300 | $1,295 |
| 250/500 | $1,603 |
| 100 CSL | $1,224 |
| 300 CSL | $1,485 |
| 500 CSL | $1,675 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,526 |
| 20 | $4,190 |
| 30 | $2,496 |
| 40 | $2,474 |
| 50 | $2,368 |
| 60 | $2,342 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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