GMC Sierra 3500HD Insurance Rates

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UPDATED: Apr 16, 2024

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Estimated insurance prices for a GMC Sierra 3500HD are $1,186 every 12 months with full coverage. Comprehensive costs around $198 each year, collision costs $274, and liability insurance is estimated at $534. A policy with only liability insurance costs approximately $588 a year, with a high-risk policy costing around $2,556. 16-year-old drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

Comprehensive $198
Collision $274
Liability $534

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a GMC Sierra 3500HD go from the cheapest price of $588 for just liability insurance to a high rate of $2,556 for a policy for a high-risk driver.

Liability Only $588
Full Coverage $1,186
High Risk $2,556

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

These rate differences demonstrate why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

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

  • The best full coverage rate is $715
  • Choosing higher $1,000 deductibles can save about $108 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,186
  • Buying low deductibles for comp and collision coverage increases the price to $1,392
  • High-risk insureds with multiple tickets or accidents could pay at least $2,556 or more
  • An auto insurance policy to insure a teen driver can be $4,746 each year

View Chart as Image

GMC Sierra 3500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 3500HD insurance rates range from $715 to $4,746

Car insurance prices for a GMC Sierra 3500HD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $320 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,600 on average in Florida, Michigan, and New York.

GMC Sierra 3500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,074 -$112 -9.4%
Alaska $910 -$276 -23.3%
Arizona $986 -$200 -16.9%
Arkansas $1,186 -$0 0.0%
California $1,354 $168 14.2%
Colorado $1,132 -$54 -4.6%
Connecticut $1,220 $34 2.9%
Delaware $1,342 $156 13.2%
Florida $1,486 $300 25.3%
Georgia $1,098 -$88 -7.4%
Hawaii $852 -$334 -28.2%
Idaho $804 -$382 -32.2%
Illinois $882 -$304 -25.6%
Indiana $898 -$288 -24.3%
Iowa $802 -$384 -32.4%
Kansas $1,126 -$60 -5.1%
Kentucky $1,618 $432 36.4%
Louisiana $1,758 $572 48.2%
Maine $734 -$452 -38.1%
Maryland $980 -$206 -17.4%
Massachusetts $948 -$238 -20.1%
Michigan $2,060 $874 73.7%
Minnesota $994 -$192 -16.2%
Mississippi $1,424 $238 20.1%
Missouri $1,052 -$134 -11.3%
Montana $1,276 $90 7.6%
Nebraska $936 -$250 -21.1%
Nevada $1,426 $240 20.2%
New Hampshire $856 -$330 -27.8%
New Jersey $1,328 $142 12.0%
New Mexico $1,052 -$134 -11.3%
New York $1,250 $64 5.4%
North Carolina $684 -$502 -42.3%
North Dakota $972 -$214 -18.0%
Ohio $818 -$368 -31.0%
Oklahoma $1,218 $32 2.7%
Oregon $1,088 -$98 -8.3%
Pennsylvania $1,132 -$54 -4.6%
Rhode Island $1,582 $396 33.4%
South Carolina $1,076 -$110 -9.3%
South Dakota $1,004 -$182 -15.3%
Tennessee $1,038 -$148 -12.5%
Texas $1,428 $242 20.4%
Utah $878 -$308 -26.0%
Vermont $814 -$372 -31.4%
Virginia $708 -$478 -40.3%
Washington $916 -$270 -22.8%
West Virginia $1,088 -$98 -8.3%
Wisconsin $822 -$364 -30.7%
Wyoming $1,056 -$130 -11.0%

View Chart as Image

GMC Sierra 3500HD insurance rates by U.S. city

With such a large range in prices, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes 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.

GMC Sierra 3500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Sierra 3500HD $358 $630 $440 $1,608
2023 GMC Sierra 3500HD $344 $626 $450 $1,600
2022 GMC Sierra 3500HD $332 $610 $470 $1,592
2021 GMC Sierra 3500HD $320 $586 $486 $1,572
2019 GMC Sierra 3500HD $292 $524 $510 $1,506
2018 GMC Sierra 3500HD $280 $494 $514 $1,468
2017 GMC Sierra 3500HD $268 $442 $520 $1,410
2016 GMC Sierra 3500HD $250 $408 $520 $1,358
2015 GMC Sierra 3500HD $242 $382 $524 $1,328
2014 GMC Sierra 3500HD $236 $356 $534 $1,306
2013 GMC Sierra 3500HD $218 $330 $534 $1,262
2012 GMC Sierra 3500HD $212 $300 $540 $1,232
2011 GMC Sierra 3500HD $198 $274 $534 $1,186
2010 GMC Sierra 3500HD $186 $250 $534 $1,150

Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheap GMC Sierra 3500HD Insurance

Finding better rates on GMC Sierra 3500HD insurance takes being a low-risk driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every year by obtaining price quotes from direct companies, and also from several local insurance agents.

The items below are a brief summary of the coverage data illustrated above.

  • You may be able to save up to $130 per year simply by quoting online in advance
  • Increasing policy deductibles could save as much as $325 each year
  • Teen drivers are the costliest to insure, possibly costing $396 per month if the policy includes full coverage
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,370 more every year to insure their Sierra 3500HD

Rates by Driver Age

GMC Sierra 3500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,746
20 $2,716
30 $1,210
40 $1,186
50 $1,090
60 $1,068

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,392
$250 $1,298
$500 $1,186
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,186
50/100 $1,213
100/300 $1,331
250/500 $1,639
100 CSL $1,260
300 CSL $1,521
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 3500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,700
20 $4,328
30 $2,580
40 $2,556
50 $2,446
60 $2,420

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $74
5-yr Claim Free $75
Paid in Full/EFT $44
Advance Quote $53
Online Quote $80
Total Discounts $471
Rate after discounts $715

Discounts are estimated and may not be available from every company or in every state.

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