GMC Sierra 3500HD Insurance Rates

Estimated auto insurance rates for a GMC Sierra 3500HD are $1,150 annually for full coverage. Comprehensive costs an estimated $186 each year, collision insurance costs $250, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, and high-risk insurance costs around $2,474. Teen drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $698
• Choosing higher $1,000 deductibles can save approximately $100 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,150
• Choosing low deductibles for comp and collision coverage will cost $1,338
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,474
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,630 each year

View Chart as Image

Auto insurance prices for a GMC Sierra 3500HD also have a wide range based on the model of your Sierra 3500HD, your driver profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $290 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

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

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 Cheap GMC Sierra 3500HD Insurance

Finding better rates on car insurance takes being a good driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief summary of the information covered above.

• Drivers can save approximately $130 per year just by quoting online in advance
• Drivers age 16 to 20 are the costliest to insure, as much as $386 per month if full coverage is included
• Increasing policy deductibles could save up to $300 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,320 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay about $590 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits