GMC Sierra 3500HD Insurance Rates

Average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage. Comprehensive insurance costs approximately $186 a year, collision costs $250, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing $2,474 or more. 16-year-old drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Sierra 3500HD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.

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

These examples show why it is important to get quotes using their specific location, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save $1,050 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,150
• Buying low $100 deductibles for comp and collision coverage will cost an additional $188 annually
• Higher-risk drivers with multiple tickets or accidents could pay around $2,474 or more
• The cost that insures a 16-year-old driver can cost $4,630 each year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD can also vary considerably based on the trim level of your Sierra 3500HD, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges from 41% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $290 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly 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

Saving money on insurance for a GMC Sierra 3500HD takes being a good driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Comparison shop every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the material that was covered above.

• Insureds who purchase an increased level of liability coverage will pay around $590 each year to raise limits from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing as high as $386 per month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,320 more per year than a safer driver
• Increasing deductibles can save approximately $300 each year