GMC Sierra 3500HD Insurance Rates

U.S. average insurance rates for a GMC Sierra 3500HD are $1,232 a year for full coverage insurance. Comprehensive costs approximately $212 each year, collision costs $300, and liability is $540. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing around $2,654. Teens pay the highest rates at $4,892 a year or more.

Average premium for full coverage: $1,232

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Sierra 3500HD models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below illustrates estimated GMC Sierra 3500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $740
• Raising to $1,000 deductibles will save $116 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,232
• Selecting low deductibles bumps up the cost to $1,456
• Drivers with serious driving violations could pay around $2,654 or more
• The price that insures a 16-year-old driver can cost $4,892

View Chart as Image

Insurance prices for a GMC Sierra 3500HD are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark 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 $810 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, and prices may be quite different.

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 Cheaper GMC Sierra 3500HD Insurance

Getting lower rates on insurance for a GMC Sierra 3500HD consists of avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a condensed summary of the concepts that were covered above.

• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,420 more per year for car insurance
• Teenagers are the costliest to insure, as much as $408 a month if comprehensive and collision insurance is included
• It is possible to save around $140 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $350 each year
• It is possible to save around $140 per year simply by quoting online in advance