GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs an estimated $186 a year, collision costs $250, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing around $2,474. Teens pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

These rate differences highlight why it is important to get quotes for a targeted area, instead of using averaged prices.

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

More Rate Information

The chart below breaks down estimated GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save approximately $1,050 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,150
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,338
• Unlucky drivers with serious driving violations could pay up to $2,474 or more
• An auto insurance policy that insures a teen driver can cost as much as $4,630 each year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on the trim level of your Sierra 3500HD, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to 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 $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially 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 Cheaper GMC Sierra 3500HD Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Compare rates every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a condensed summary of the material that was raised in the charts and tables above.

• Policyholders who want more liability protection will pay approximately $590 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers are expensive to insure, with the cost nearing $386 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,320 more annually than a low-risk driver
• Increasing policy deductibles can save approximately $300 each year