GMC Sierra 3500HD Insurance Rates

The average insurance rates for a GMC Sierra 3500HD are $1,186 a year including full coverage. Comprehensive costs an estimated $198, collision costs $274, and liability coverage is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,556. Teens cost the most to insure at $4,746 a year or more.

Average premium for full coverage: $1,186

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Sierra 3500HD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save approximately $108 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,186
• Selecting more expensive low deductibles bumps up the cost to $1,392
• Unlucky drivers with serious driving violations could pay up to $2,556 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,746

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 131% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

Your home state also has a big influence on GMC Sierra 3500HD insurance rates. A middle-age driver might find rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 a year, while increasing your policy's liability limits will increase premiums. Changing 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 best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, 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 Affordable GMC Sierra 3500HD Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare rates once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief review of the data that was covered above.

• You may be able to save approximately $130 per year simply by shopping early and online
• Consumers who want more liability protection will pay approximately $590 per year to raise from a 30/60 limit to the 250/500 level
• Youthful drivers have the highest car insurance rates, with premiums being up to $396 each month if full coverage is purchased
• Drivers with DUI or reckless driving convictions could be charged and average of $1,370 more annually than a low-risk driver