GMC Sierra 3500HD Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average auto insurance rates for a GMC Sierra 3500HD are $1,232 annually for full coverage. Comprehensive insurance costs an estimated $212 each year, collision insurance costs $300, and liability costs $540. Liability-only insurance costs as little as $592 a year, and high-risk driver insurance costs $2,654 or more. Teen drivers pay the highest rates at up to $4,892 a year.
Average premium for full coverage: $1,232
Price estimates broken down by individual coverage:
Includes $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Sierra 3500HD models.
Price Range from Low to High
Using a middle-aged driver as an example, GMC Sierra 3500HD insurance prices range from as cheap as $592 for basic liability insurance to a high rate of $2,654 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have fewer accident claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.
The ranges above show why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.
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.
Rate Comparisons
The chart below shows average GMC Sierra 3500HD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $740
- Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,232
- Choosing low deductibles for comprehensive and collision insurance costs an additional $224 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,654
- The price with full coverage for a 16-year-old driver can cost as much as $4,892 a year
Car insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $340 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,760 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,114 | -$118 | -9.6% |
| Alaska | $946 | -$286 | -23.2% |
| Arizona | $1,024 | -$208 | -16.9% |
| Arkansas | $1,232 | -$0 | 0.0% |
| California | $1,404 | $172 | 14.0% |
| Colorado | $1,176 | -$56 | -4.5% |
| Connecticut | $1,264 | $32 | 2.6% |
| Delaware | $1,394 | $162 | 13.1% |
| Florida | $1,542 | $310 | 25.2% |
| Georgia | $1,138 | -$94 | -7.6% |
| Hawaii | $884 | -$348 | -28.2% |
| Idaho | $836 | -$396 | -32.1% |
| Illinois | $916 | -$316 | -25.6% |
| Indiana | $928 | -$304 | -24.7% |
| Iowa | $830 | -$402 | -32.6% |
| Kansas | $1,170 | -$62 | -5.0% |
| Kentucky | $1,680 | $448 | 36.4% |
| Louisiana | $1,824 | $592 | 48.1% |
| Maine | $762 | -$470 | -38.1% |
| Maryland | $1,018 | -$214 | -17.4% |
| Massachusetts | $984 | -$248 | -20.1% |
| Michigan | $2,140 | $908 | 73.7% |
| Minnesota | $1,032 | -$200 | -16.2% |
| Mississippi | $1,478 | $246 | 20.0% |
| Missouri | $1,092 | -$140 | -11.4% |
| Montana | $1,322 | $90 | 7.3% |
| Nebraska | $972 | -$260 | -21.1% |
| Nevada | $1,478 | $246 | 20.0% |
| New Hampshire | $888 | -$344 | -27.9% |
| New Jersey | $1,378 | $146 | 11.9% |
| New Mexico | $1,090 | -$142 | -11.5% |
| New York | $1,298 | $66 | 5.4% |
| North Carolina | $708 | -$524 | -42.5% |
| North Dakota | $1,010 | -$222 | -18.0% |
| Ohio | $850 | -$382 | -31.0% |
| Oklahoma | $1,264 | $32 | 2.6% |
| Oregon | $1,130 | -$102 | -8.3% |
| Pennsylvania | $1,174 | -$58 | -4.7% |
| Rhode Island | $1,644 | $412 | 33.4% |
| South Carolina | $1,116 | -$116 | -9.4% |
| South Dakota | $1,042 | -$190 | -15.4% |
| Tennessee | $1,076 | -$156 | -12.7% |
| Texas | $1,484 | $252 | 20.5% |
| Utah | $912 | -$320 | -26.0% |
| Vermont | $844 | -$388 | -31.5% |
| Virginia | $738 | -$494 | -40.1% |
| Washington | $950 | -$282 | -22.9% |
| West Virginia | $1,130 | -$102 | -8.3% |
| Wisconsin | $854 | -$378 | -30.7% |
| Wyoming | $1,098 | -$134 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,100 | $92 |
| GMC Sierra 3500HD SLE Regular Cab 4WD | $1,302 | $109 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,120 | $93 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,120 | $93 |
| GMC Sierra 3500HD SLE Crew Cab 4WD | $1,322 | $110 |
| GMC Sierra 3500HD SLE Extended Cab 4WD | $1,322 | $110 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,142 | $95 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,344 | $112 |
| GMC Sierra 3500HD SLT Extended Cab 4WD | $1,344 | $112 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,164 | $97 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra 3500HD | $376 | $656 | $420 | $1,632 |
| 2023 GMC Sierra 3500HD | $358 | $630 | $440 | $1,608 |
| 2022 GMC Sierra 3500HD | $344 | $626 | $450 | $1,600 |
| 2021 GMC Sierra 3500HD | $332 | $610 | $470 | $1,592 |
| 2019 GMC Sierra 3500HD | $304 | $564 | $500 | $1,548 |
| 2018 GMC Sierra 3500HD | $292 | $524 | $510 | $1,506 |
| 2017 GMC Sierra 3500HD | $280 | $494 | $514 | $1,468 |
| 2016 GMC Sierra 3500HD | $268 | $442 | $520 | $1,410 |
| 2015 GMC Sierra 3500HD | $250 | $408 | $520 | $1,358 |
| 2014 GMC Sierra 3500HD | $242 | $382 | $524 | $1,328 |
| 2013 GMC Sierra 3500HD | $236 | $356 | $534 | $1,306 |
| 2012 GMC Sierra 3500HD | $218 | $330 | $534 | $1,262 |
| 2011 GMC Sierra 3500HD | $212 | $300 | $540 | $1,232 |
| 2010 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 the Cheapest GMC Sierra 3500HD Insurance
Getting lower rates on insurance for a GMC Sierra 3500HD not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the information touched on in the above illustrations.
- Drivers can save approximately $140 per year just by quoting online in advance
- Teens have the highest car insurance prices, with premiums as much as $408 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save up to $350 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,420 more annually for Sierra 3500HD insurance
- Insureds who want higher liability limits will pay about $590 each year to go from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,892 |
| 20 | $2,818 |
| 30 | $1,258 |
| 40 | $1,232 |
| 50 | $1,130 |
| 60 | $1,108 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,354 |
| $500 | $1,232 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,232 |
| 50/100 | $1,260 |
| 100/300 | $1,379 |
| 250/500 | $1,690 |
| 100 CSL | $1,307 |
| 300 CSL | $1,570 |
| 500 CSL | $1,762 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,494 |
| 30 | $2,684 |
| 40 | $2,654 |
| 50 | $2,536 |
| 60 | $2,512 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $47 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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