GMC Sierra 3500HD Insurance Rates

Estimated insurance rates for a GMC Sierra 3500HD are $1,232 a year with full coverage. Comprehensive costs approximately $212, collision costs $300, and liability costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $2,654. Teenage drivers pay the most at $4,892 a year or more.

Average premium for full coverage: $1,232

Premium estimates by type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Sierra 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $740
• Drivers who choose higher $1,000 deductibles will pay $116 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,232
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,456
• Higher-risk drivers who are prone to accidents and violations could pay around $2,654 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $4,892 a year

View Chart as Image

Insurance prices for a GMC Sierra 3500HD also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Sierra 3500HD insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $340 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially 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 the Cheapest GMC Sierra 3500HD Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

Below you'll find a recap of the information covered in the above illustrations.

• You may be able to save around $140 per year simply by shopping early and online
• Youthful drivers are expensive to insure, possibly costing $408 per month if full coverage is included
• Increasing policy deductibles can save approximately $350 each year
• Higher risk drivers that have major violations or accidents may have to pay on average $1,420 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay an extra $590 every year to go from 30/60 bodily injury limits to the 250/500 level