GMC Sierra 3500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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Average insurance rates for a GMC Sierra 3500HD are $1,186 a year including full coverage. Comprehensive costs an estimated $198, collision insurance costs $274, and liability costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs around $2,556. 16-year-old drivers receive the highest rates at up to $4,746 a year.
Average premium for full coverage: $1,186
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $588 for basic liability insurance to a much higher rate of $2,556 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based 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.
Rate Comparisons
The chart below breaks down average GMC Sierra 3500HD insurance rates for other coverage scenarios.
- The best full coverage rate is $715
- Drivers who choose higher $1,000 deductibles will pay approximately $108 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,186
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,392
- Drivers with multiple tickets or accidents could pay up to $2,556
- The cost that insures a 16-year-old driver with full coverage can cost as much as $4,746 a year
Insurance rates for a GMC Sierra 3500HD can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost from 42% to 131% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,700 a year. View Rates by Age
Where you live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,690 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $320 annually, while increasing your policy's liability limits will increase premiums. Changing 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
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,060 | $88 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,258 | $105 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,078 | $90 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,078 | $90 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,278 | $107 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,278 | $107 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,100 | $92 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,298 | $108 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,298 | $108 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,118 | $93 |
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.
| 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 Find the Best GMC Sierra 3500HD Insurance
Saving money on insurance for a GMC Sierra 3500HD not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a brief recap of the ideas that were covered in the charts and tables above.
- Youthful drivers are charged the highest rates, as much as $396 per month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,370 more annually than a low-risk driver
- Increasing deductibles can save approximately $325 each year
- You may be able to save approximately $130 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,298 |
| $500 | $1,186 |
| $1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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