GMC Sierra 3500HD Insurance Rates

U.S. average auto insurance rates for a GMC Sierra 3500HD are $1,150 annually including full coverage. Comprehensive costs on average $186, collision costs $250, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing around $2,474. Teenage drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Sierra 3500HD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

The ranges above highlight why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save around $100 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,150
• Using pricier low deductibles for comp and collision coverage will cost $1,338
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• The price with full coverage for a 16-year-old driver for full coverage may cost $4,630 each year

View Chart as Image

Auto insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers ranges from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy More Affordable GMC Sierra 3500HD Insurance

Getting lower rates on insurance for a GMC Sierra 3500HD takes not taking risks behind the wheel, having above-average credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a summary of the ideas that were covered in the charts and tables above.

• Teens are charged the highest prices, possibly costing $386 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,320 more each year for Sierra 3500HD insurance
• Increasing physical damage deductibles could save up to $300 each year
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date