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 around $186, collision costs $250, and liability insurance is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,474. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The best discount rate is $698
• Raising to $1,000 deductibles will save about $100 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,150
• Using more expensive low deductibles will increase the cost to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,474 or more
• Policy cost for full coverage for a teen driver with full coverage can be $4,630

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $290 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied 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 Cheapest GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance consists of avoiding accidents and claims, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the information touched on in the above illustrations.

• It is possible to save up to $130 per year simply by shopping early and online
• Drivers under the age of 20 pay higher rates, possibly costing $386 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $300 each year
• High-risk drivers that have major violations or accidents may pay on average $1,320 more every year to insure a GMC Sierra 3500HD
• Drivers who may need increased liability limits will pay an extra $590 annually to raise from a 30/60 limit to 250/500 limits