GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive insurance costs approximately $186, collision costs $250, and liability costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing $2,474 or more. Teen 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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save $100 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,150
• Choosing pricier low deductibles for physical damage coverage will cost an additional $188 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,474 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $4,630 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the model of your Sierra 3500HD, 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. GMC Sierra 3500HD insurance for high-risk drivers can be from 41% to 135% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest 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 has a huge impact on GMC Sierra 3500HD insurance prices. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $290 annually, whereas buying more liability protection 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 regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, 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 Cheaper GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD requires being a good driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Shop around at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,320 more per year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, possibly costing $386 each month if comprehensive and collision insurance is included
• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date