GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage insurance. Comprehensive insurance costs on average $198 each year, collision costs $274, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,556 or more. Teenage drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $715
• Raising to $1,000 deductibles will save around $108 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,186
• Using low deductibles will cost an additional $206 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,556 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,746

View Chart as Image

Auto insurance prices for a GMC Sierra 3500HD also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find prices as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $320 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Right GMC Sierra 3500HD Insurance

Finding better rates on insurance for a GMC Sierra 3500HD consists of being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick rundown of the data that was touched on above.

• It is possible to save as much as $130 per year simply by quoting online in advance
• Insureds who require an increased level of liability coverage will pay an extra $590 annually to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $396 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,370 more each year than a safer driver