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 approximately $186, collision insurance costs $250, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,474. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

These estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Sierra 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location and risk profile, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save $100 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,338
• Drivers who are prone to accidents and violations could pay around $2,474
• Policy cost for full coverage for a teen driver for full coverage can cost $4,630 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on GMC Sierra 3500HD insurance rates. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $290 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 additional every year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers can be anywhere from 41% to 135% more than a normal policy. 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 Cheap GMC Sierra 3500HD Insurance

Finding cheaper rates on GMC Sierra 3500HD insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and consideration of higher deductibles. Spend time shopping around once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the data that was touched on above.

• It is possible to save around $130 per year just by quoting online well ahead of the renewal date
• Drivers who purchase higher liability limits will pay an extra $590 annually to increase from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, possibly costing $386 each month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,320 more per year for Sierra 3500HD insurance