GMC Sierra 3500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a GMC Sierra 3500HD are $1,232 a year with full coverage. Comprehensive insurance costs on average $212, collision insurance costs $300, and liability is $540. Liability-only coverage costs around $592 a year, and high-risk coverage costs $2,654 or more. 16-year-old drivers pay the highest rates at up to $4,892 a year.
Average premium for full coverage: $1,232
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Sierra 3500HD trim levels.
Price Range from Low to High
For an average driver, GMC Sierra 3500HD insurance prices range from as low as $592 for liability-only coverage to a much higher rate of $2,654 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities. The price range example below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using rate 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.
Additional Charts and Tables
The chart below details average GMC Sierra 3500HD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $740
- Raising to $1,000 deductibles will save around $116 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,232
- Buying more expensive low deductibles will cost an extra $224 every year
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,654
- The price for full coverage for a teen driver with full coverage may cost $4,892
Auto insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age
The state you live in also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $340 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates
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 Find Affordable GMC Sierra 3500HD Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every year by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.
Below you'll find a brief review of the coverage data covered in the above illustrations.
- You may be able to save as much as $140 per year just by shopping early and online
- Increasing physical damage deductibles can save around $350 each year
- Youthful drivers are charged the highest prices, costing up to $408 a month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,420 more each year than a low-risk driver
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
