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GMC Sierra 3500HD Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Average auto insurance rates for a GMC Sierra 3500HD are $1,608 annually for full coverage insurance. Comprehensive insurance costs around $358, collision insurance costs $630, and liability is estimated at $440. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $3,474 or more. Teenage drivers receive the highest rates at up to $5,936 a year.

Average premium for full coverage: $1,608

Rate estimates for individual coverage type:

Comprehensive $358
Collision $630
Liability $440

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Sierra 3500HD models.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $510 for just the minimum liability insurance to the much higher price of $3,474 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,608
High Risk $3,474

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,206
Small Cities $1,688
Large Cities $2,171

These examples illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below illustrates average GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $925
  • Choosing higher $1,000 deductibles can save about $224 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,608
  • Using pricier low deductibles for comp and collision coverage costs an additional $438 every year
  • Unlucky drivers who are prone to accidents and violations could pay at least $3,474
  • The cost with full coverage for a teen driver for full coverage can be $5,936 each year

View Chart as Image

GMC Sierra 3500HD insurance cost comparison chart
Column chart showing GMC Sierra 3500HD insurance prices range from $925 to $5,936 for full coverage

Auto insurance rates for a GMC Sierra 3500HD can also vary considerably based on the trim level of your Sierra 3500HD, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,900 to $2,600 in extra premium per year, depending on your age. GMC Sierra 3500HD insurance for high-risk drivers ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $670 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for GMC Sierra 3500HD insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,170 on average in Michigan, New York, and Florida.

GMC Sierra 3500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,454 -$154 -9.6%
Alaska $1,236 -$372 -23.1%
Arizona $1,338 -$270 -16.8%
Arkansas $1,608 -$0 0.0%
California $1,836 $228 14.2%
Colorado $1,534 -$74 -4.6%
Connecticut $1,652 $44 2.7%
Delaware $1,822 $214 13.3%
Florida $2,012 $404 25.1%
Georgia $1,486 -$122 -7.6%
Hawaii $1,154 -$454 -28.2%
Idaho $1,092 -$516 -32.1%
Illinois $1,198 -$410 -25.5%
Indiana $1,214 -$394 -24.5%
Iowa $1,086 -$522 -32.5%
Kansas $1,528 -$80 -5.0%
Kentucky $2,194 $586 36.4%
Louisiana $2,384 $776 48.3%
Maine $996 -$612 -38.1%
Maryland $1,328 -$280 -17.4%
Massachusetts $1,284 -$324 -20.1%
Michigan $2,796 $1,188 73.9%
Minnesota $1,346 -$262 -16.3%
Mississippi $1,930 $322 20.0%
Missouri $1,428 -$180 -11.2%
Montana $1,730 $122 7.6%
Nebraska $1,270 -$338 -21.0%
Nevada $1,930 $322 20.0%
New Hampshire $1,160 -$448 -27.9%
New Jersey $1,798 $190 11.8%
New Mexico $1,424 -$184 -11.4%
New York $1,696 $88 5.5%
North Carolina $928 -$680 -42.3%
North Dakota $1,318 -$290 -18.0%
Ohio $1,112 -$496 -30.8%
Oklahoma $1,652 $44 2.7%
Oregon $1,474 -$134 -8.3%
Pennsylvania $1,534 -$74 -4.6%
Rhode Island $2,148 $540 33.6%
South Carolina $1,460 -$148 -9.2%
South Dakota $1,358 -$250 -15.5%
Tennessee $1,408 -$200 -12.4%
Texas $1,938 $330 20.5%
Utah $1,190 -$418 -26.0%
Vermont $1,104 -$504 -31.3%
Virginia $964 -$644 -40.0%
Washington $1,242 -$366 -22.8%
West Virginia $1,476 -$132 -8.2%
Wisconsin $1,112 -$496 -30.8%
Wyoming $1,434 -$174 -10.8%

View Chart as Image

GMC Sierra 3500HD insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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.

GMC Sierra 3500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 GMC Sierra 3500HD $358 $630 $440 $1,608
2019 GMC Sierra 3500HD $344 $626 $450 $1,600
2018 GMC Sierra 3500HD $332 $610 $470 $1,592
2017 GMC Sierra 3500HD $320 $586 $486 $1,572
2016 GMC Sierra 3500HD $304 $564 $500 $1,548
2015 GMC Sierra 3500HD $292 $524 $510 $1,506
2014 GMC Sierra 3500HD $280 $494 $514 $1,468
2013 GMC Sierra 3500HD $268 $442 $520 $1,410
2012 GMC Sierra 3500HD $250 $408 $520 $1,358
2011 GMC Sierra 3500HD $242 $382 $524 $1,328
2010 GMC Sierra 3500HD $236 $356 $534 $1,306
2009 GMC Sierra 3500HD $218 $330 $534 $1,262
2008 GMC Sierra 3500HD $212 $300 $540 $1,232
2007 GMC Sierra 3500HD $198 $274 $534 $1,186

Rates are averaged for all GMC Sierra 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap GMC Sierra 3500HD Insurance

Saving money on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,870 more every year than a safer driver
  • Drivers age 16 to 20 are expensive to insure, costing up to $495 per month if full coverage is included
  • It is possible to save up to $190 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $650 each year
  • It is possible to save up to $190 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

GMC Sierra 3500HD Insurance Rates by Driver Age
Driver Age Premium
16 $5,936
20 $3,702
30 $1,682
40 $1,608
50 $1,468
60 $1,440

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,046
$250 $1,844
$500 $1,608
$1,000 $1,384

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,608
50/100 $1,640
100/300 $1,738
250/500 $1,991
100 CSL $1,679
300 CSL $1,894
500 CSL $2,050

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra 3500HD Insurance Rates for High Risk Drivers
Age Premium
16 $8,478
20 $5,886
30 $3,554
40 $3,474
50 $3,312
60 $3,282

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $222

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $119
5-yr Claim Free $104
Paid in Full/EFT $74
Advance Quote $80
Online Quote $114
Total Discounts $683
Rate after discounts $925

Discounts are estimated and may not be available from every company or in every state.

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