GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage insurance. Comprehensive insurance costs on average $198 each year, collision costs $274, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,556 or more. Teen drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Sierra 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $715
• Raising to $1,000 deductibles will save around $108 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,186
• Choosing low deductibles will cost an extra $206 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,556 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,746

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find prices as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $320 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 131% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 Low Cost GMC Sierra 3500HD Insurance

Finding better rates on insurance for a GMC Sierra 3500HD consists of being safe and accident-free, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,370 more each year than a low-risk driver
• It is possible to save as much as $130 per year simply by quoting online in advance
• Increasing policy deductibles can save around $325 each year
• Insureds who require more liability protection will pay about $590 annually to raise from 30/60 bodily injury limits to 250/500 limits