GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs around $186 each year, collision costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers 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:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code, rather than 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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay about $100 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,150
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,338
• High-risk insureds with serious driving violations could pay at least $2,474 or more
• Policy cost that insures a teenage driver can be $4,630 a year

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra 3500HD insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every company calculates rates differently, so the 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 the Best Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates every time your policy renews by quoting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a quick review of the information covered above.

• You may be able to save up to $130 per year simply by quoting online in advance
• Teen drivers pay higher rates, with premiums being up to $386 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers with a DUI or reckless driving violation may have to pay on average $1,320 more every year to insure their Sierra 3500HD
• Consumers who may need more liability coverage will pay approximately $590 per year to go from a 30/60 limit to the 250/500 level