GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,150 a year including full coverage. Comprehensive costs an estimated $186 a year, collision insurance costs $250, and liability coverage is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs around $2,474. Teenage drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Sierra 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The ranges above highlight why it is important to get quotes for a targeted area, rather than using average rates.

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

Additional Rate Details

The chart below breaks down average GMC Sierra 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save approximately $1,050 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,338
• Drivers who are prone to accidents and violations could pay up to $2,474
• The price that insures a teenage driver can cost as much as $4,630 each year

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Insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level of your Sierra 3500HD, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges around 41% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Sierra 3500HD insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles can save as much as $290 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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 Best Cheap GMC Sierra 3500HD Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The list below is a quick review of the car insurance concepts touched on above.

• Drivers with a DUI or reckless driving violation could be charged and average of $1,320 more annually for car insurance
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $300 each year
• Consumers who want higher liability limits will pay an extra $590 per year to raise limits from a low limit to the 250/500 level