GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs on average $186 a year, collision costs $250, and liability is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,474 or more. Teenage 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:

These estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save around $1,050 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,150
• Using low $100 deductibles will cost an additional $188 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• Policy cost that insures a teen driver may cost $4,630

View Chart as Image

Auto insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level of your Sierra 3500HD, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $290 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates 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 Find Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following is a brief summary of the data that was raised in the charts and tables above.

• Drivers can save as much as $130 per year simply by quoting early and online
• Policyholders who require higher liability limits will pay an extra $590 each year to raise from a 30/60 limit to the 250/500 level
• Teens are charged the highest rates, costing up to $386 each month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,320 more each year for Sierra 3500HD insurance