GMC Sierra 3500HD Insurance Rates
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UPDATED: Apr 16, 2024
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The average insurance prices for a GMC Sierra 3500HD are $1,232 every 12 months for full coverage insurance. Comprehensive costs on average $212 each year, collision insurance costs $300, and liability is $540. A liability-only policy costs around $592 a year, and high-risk insurance costs around $2,654. 16-year-old drivers cost the most to insure at up to $4,892 a year.
Average premium for full coverage: $1,232
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Sierra 3500HD models.
Price Range Variability
For the normal driver, GMC Sierra 3500HD insurance rates range from the cheapest price of $592 for minimum levels of liability insurance to a high rate of $2,654 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The graphic below illustrates how geographic area affects car insurance rates.
The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, 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 Rate Details
The chart below illustrates 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 each year
- The average price for a good driver age 40 with $500 deductibles is $1,232
- Buying low deductibles increases the price to $1,456
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,654
- Policy cost to insure a teen driver may cost $4,892
Car insurance rates for a GMC Sierra 3500HD also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Sierra 3500HD.
Opting for high physical damage deductibles can reduce rates by up to $340 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on GMC Sierra 3500HD insurance prices. A middle-age driver might find rates as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,660 on average in Michigan, New York, and Florida.
| 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 Shop for the Best GMC Sierra 3500HD Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.
The points below are a brief recap of the concepts that were presented in the illustrations above.
- Higher risk drivers who tend to receive serious violations pay on average $1,420 more each year to insure a GMC Sierra 3500HD
- Drivers under the age of 20 are expensive to insure, possibly costing $408 each month if the policy includes full coverage
- It is possible to save as much as $140 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- It is possible to save as much as $140 per year just by quoting online in advance
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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