GMC Sierra 3500HD Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a GMC Sierra 3500HD are $1,232 a year for full coverage insurance. Comprehensive insurance costs around $212 a year, collision costs $300, and liability costs $540. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing $2,654 or more. Teens pay the highest rates at $4,892 a year or more.
Average premium for full coverage: $1,232
Price estimates for individual coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Sierra 3500HD trim levels.
Price Range from Low to High
For an average driver, GMC Sierra 3500HD insurance prices go from as low as $592 for just the minimum liability insurance to a high of $2,654 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why it is important to compare rates for a specific zip code and risk profile, instead of using averaged prices.
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 Analysis
The chart below illustrates estimated GMC Sierra 3500HD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $740
- Drivers who choose higher $1,000 deductibles will pay about $1,116 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,232
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $224 every year
- Higher-risk drivers with serious driving violations could pay at least $2,654 or more
- The price for full coverage for a teen driver can be $4,892 a year
Insurance prices for a GMC Sierra 3500HD are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
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 Vermont, Wisconsin, and North Carolina, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to get quotes and see which company has the best price. Every company calculates prices differently, so the prices may be quite different from one company to the next.
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 the Cheapest GMC Sierra 3500HD Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a recap of the concepts that were covered in the above illustrations.
- Higher risk drivers that have major violations or accidents may pay on average $1,420 more every year to insure their Sierra 3500HD
- Teen drivers pay higher prices, as much as $408 a month for full coverage
- It is possible to save up to $140 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $350 each year
- It is possible to save up to $140 per year simply by quoting early and online
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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