GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,186 a year for full coverage. Comprehensive costs approximately $198 a year, collision insurance costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,556. Teen drivers cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why it is important to compare prices using their 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 Rate Details

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

• The lowest rate with discounts is $715
• Using higher $1,000 deductibles will save $1,078 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,186
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,392
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,556
• Policy cost for full coverage for a 16-year-old driver can cost $4,746 or more

View Chart as Image

Insurance rates for a GMC Sierra 3500HD also range considerably based on your risk profile, the trim level of your Sierra 3500HD, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,700 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 $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $320 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 131% more than average. View High Risk Driver Rates

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 Cheapest GMC Sierra 3500HD Insurance

Finding cheaper rates on insurance for a GMC Sierra 3500HD requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a recap of the concepts that were covered above.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,370 more per year for car insurance
• Teenagers are expensive to insure, costing up to $396 each month for full coverage
• Drivers can save around $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers can save around $130 per year just by quoting early and online