GMC Sierra 3500HD Insurance Rates

The average insurance prices for a GMC Sierra 3500HD are $1,150 every 12 months for full coverage. Comprehensive costs on average $186 each year, collision costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,474. Teen drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save around $100 a year
• The average price for a good driver age 40 with $500 deductibles is $1,150
• Choosing low deductibles for physical damage coverage increases the price to $1,338
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,474 or more
• Policy cost to insure a 16-year-old driver may cost $4,630 or more

View Chart as Image

Car insurance rates for a GMC Sierra 3500HD also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Sierra 3500HD.

Choosing high deductibles could cut rates by as much as $290 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied.

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 Shop for Cheaper GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by getting quotes from direct carriers, and also from local independent and exclusive agents.

The points below are a condensed summary of the material that was presented in the illustrations above.

• Insureds who require increased liability limits will pay about $590 each year to increase from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, costing up to $386 each month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,320 more each year to insure a GMC Sierra 3500HD
• Increasing comprehensive and collision deductibles could save as much as $300 each year