GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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Average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs approximately $186 a year, collision insurance costs $250, and liability insurance costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs around $2,474. Teen drivers receive the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,150
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Sierra 3500HD trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $588 for just liability insurance to a high of $2,474 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate why it is important to compare rates using their specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates average GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $698
- Drivers who choose higher $1,000 deductibles will pay $1,050 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,150
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,338
- High risk drivers with multiple violations and an at-fault accident could pay around $2,474
- The cost for full coverage for a teen driver can cost $4,630 a year
Insurance rates for a GMC Sierra 3500HD can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents 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 should be prepared to pay in the ballpark of $4,600 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 $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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$110 | -9.6% |
| Alaska | $884 | -$266 | -23.1% |
| Arizona | $954 | -$196 | -17.0% |
| Arkansas | $1,150 | -$0 | 0.0% |
| California | $1,310 | $160 | 13.9% |
| Colorado | $1,096 | -$54 | -4.7% |
| Connecticut | $1,182 | $32 | 2.8% |
| Delaware | $1,302 | $152 | 13.2% |
| Florida | $1,440 | $290 | 25.2% |
| Georgia | $1,062 | -$88 | -7.7% |
| Hawaii | $824 | -$326 | -28.3% |
| Idaho | $778 | -$372 | -32.3% |
| Illinois | $856 | -$294 | -25.6% |
| Indiana | $868 | -$282 | -24.5% |
| Iowa | $776 | -$374 | -32.5% |
| Kansas | $1,092 | -$58 | -5.0% |
| Kentucky | $1,568 | $418 | 36.3% |
| Louisiana | $1,704 | $554 | 48.2% |
| Maine | $712 | -$438 | -38.1% |
| Maryland | $950 | -$200 | -17.4% |
| Massachusetts | $920 | -$230 | -20.0% |
| Michigan | $1,994 | $844 | 73.4% |
| Minnesota | $962 | -$188 | -16.3% |
| Mississippi | $1,378 | $228 | 19.8% |
| Missouri | $1,020 | -$130 | -11.3% |
| Montana | $1,234 | $84 | 7.3% |
| Nebraska | $908 | -$242 | -21.0% |
| Nevada | $1,380 | $230 | 20.0% |
| New Hampshire | $830 | -$320 | -27.8% |
| New Jersey | $1,286 | $136 | 11.8% |
| New Mexico | $1,018 | -$132 | -11.5% |
| New York | $1,210 | $60 | 5.2% |
| North Carolina | $664 | -$486 | -42.3% |
| North Dakota | $942 | -$208 | -18.1% |
| Ohio | $792 | -$358 | -31.1% |
| Oklahoma | $1,180 | $30 | 2.6% |
| Oregon | $1,054 | -$96 | -8.3% |
| Pennsylvania | $1,096 | -$54 | -4.7% |
| Rhode Island | $1,534 | $384 | 33.4% |
| South Carolina | $1,044 | -$106 | -9.2% |
| South Dakota | $972 | -$178 | -15.5% |
| Tennessee | $1,006 | -$144 | -12.5% |
| Texas | $1,384 | $234 | 20.3% |
| Utah | $850 | -$300 | -26.1% |
| Vermont | $788 | -$362 | -31.5% |
| Virginia | $688 | -$462 | -40.2% |
| Washington | $886 | -$264 | -23.0% |
| West Virginia | $1,054 | -$96 | -8.3% |
| Wisconsin | $796 | -$354 | -30.8% |
| Wyoming | $1,024 | -$126 | -11.0% |
Choosing high deductibles could save up to $290 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,026 | $86 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,222 | $102 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,044 | $87 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,240 | $103 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,064 | $89 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,082 | $90 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2023 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2022 GMC Sierra 3500HD | $320 | $586 | $486 | $1,572 |
| 2021 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
| 2019 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2018 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2017 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2016 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2015 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2014 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2013 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2012 GMC Sierra 3500HD | $198 | $274 | $534 | $1,186 |
| 2011 GMC Sierra 3500HD | $186 | $250 | $534 | $1,150 |
| 2010 GMC Sierra 3500HD | $180 | $224 | $530 | $1,114 |
Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap GMC Sierra 3500HD Insurance
Saving money on GMC Sierra 3500HD insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below you'll find a quick review of the primary concepts that were covered in the above illustrations.
- It is possible to save around $130 per year just by quoting early and online
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,320 more per year than a low-risk driver
- Increasing deductibles can save around $300 each year
- Youthful drivers are the costliest to insure, costing up to $386 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,150 |
| 50 | $1,056 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,254 |
| $500 | $1,150 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,150 |
| 50/100 | $1,177 |
| 100/300 | $1,295 |
| 250/500 | $1,603 |
| 100 CSL | $1,224 |
| 300 CSL | $1,485 |
| 500 CSL | $1,675 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,526 |
| 20 | $4,190 |
| 30 | $2,496 |
| 40 | $2,474 |
| 50 | $2,368 |
| 60 | $2,342 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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