GMC Sierra 3500HD Insurance Rates

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

Average premium for full coverage: $1,150

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

The chart below shows estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save about $100 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,150
• Selecting low deductibles bumps up the cost to $1,338
• Higher-risk drivers with serious driving violations could pay at least $2,474 or more
• Policy cost that insures a teen driver can be $4,630

View Chart as Image

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

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles could 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 be charged as much as $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 $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $290 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, 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 Find the Right GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance consists of being a good driver, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following list is a quick rundown of the data that was covered in the charts and tables above.

• Drivers can save up to $130 per year simply by quoting online in advance
• Drivers who may need an increased level of liability coverage will pay approximately $590 each year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $386 each month if full coverage is purchased
• High-risk drivers with reckless driving or DUI convictions pay on average $1,320 more every year than a safer driver