GMC Sierra 3500HD Insurance Rates

The average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually for full coverage. Comprehensive insurance costs on average $186 a year, collision insurance costs $250, and liability insurance is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage 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 by type of insurance:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save around $1,050 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage costs an additional $188 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474
• Policy cost with full coverage for a teen driver may cost $4,630 each year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $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 could be paying at a minimum $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Best Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a quick review of the concepts that were touched on above.

• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,320 more each year to insure a GMC Sierra 3500HD
• Drivers under the age of 20 pay higher rates, costing up to $386 each month if they have full coverage
• Drivers can save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers can save as much as $130 per year just by quoting early and online