GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,150 a year for full coverage insurance. Comprehensive costs on average $186, collision costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,474. 16-year-old drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $698
• Using higher $1,000 deductibles will save around $100 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,150
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,338
• Drivers with multiple tickets or accidents could pay upwards of $2,474 or more
• Policy cost that insures a teen driver with full coverage may cost $4,630 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,600 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 $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $290 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes 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 Right GMC Sierra 3500HD Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop every other policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the ideas that were raised in the charts and tables above.

• Teen drivers are expensive to insure, possibly costing $386 each month if full coverage is purchased
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,320 more each year to insure their Sierra 3500HD
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• It is possible to save as much as $130 per year simply by shopping early and online