GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs an estimated $186 a year, collision insurance costs $250, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,474. Teen 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 are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $1,050 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,150
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• Drivers with multiple violations and an at-fault accident could pay up to $2,474
• Policy cost that insures a 16-year-old driver can cost as much as $4,630 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level of your Sierra 3500HD, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost from 41% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents 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 highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $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 $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $290 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each 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 Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD not only requires avoiding accidents and claims, but also having a good credit score, being claim-free, and possibly raising deductibles. Shop around at every policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The points below are a brief review of the data covered in the charts and tables above.

• Insureds who want increased liability limits will pay about $590 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save approximately $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $386 each month if comprehensive and collision insurance is included