GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage. Comprehensive costs around $198 a year, collision costs $274, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,556. 16-year-old drivers receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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 choices and driver risks.

• The best full coverage rate is $715
• Drivers who choose higher $1,000 deductibles will pay about $1,078 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,186
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,392
• High risk drivers with multiple tickets or accidents could pay at least $2,556 or more
• The cost for full coverage for a teen driver can be $4,746 a year

View Chart as Image

Car insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the trim level of your Sierra 3500HD, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

Where you live makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $320 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes can be significantly 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

Saving money on GMC Sierra 3500HD insurance not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following items are a brief recap of the data that was covered in the charts and tables above.

• Drivers can save up to $130 per year simply by quoting early and online
• Drivers who may need additional liability coverage will pay around $590 each year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, costing as high as $396 per month if full coverage is included
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,370 more every year than a driver with a clean driving record