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 approximately $186 each year, collision costs $250, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage 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 by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location, rather than using 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 additional coverage and risk scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save $100 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,150
• Using low deductibles bumps up the cost to $1,338
• Unlucky drivers who are prone to accidents and violations could pay around $2,474 or more
• Policy cost that insures a teenage driver can cost $4,630

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $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 should be prepared to pay in the ballpark of $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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $290 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and 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 the Best GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief recap of the data covered above.

• Consumers who purchase increased liability limits will pay an extra $590 annually to raise from a 30/60 limit to the 250/500 level
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $386 each month if comprehensive and collision insurance is included