GMC Sierra 3500HD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $212
Collision $300
Liability $540

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.

Liability Only $592
Full Coverage $1,232
High Risk $2,654

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.

Rural Areas $924
Small Cities $1,294
Large Cities $1,663

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

View Chart as Image

GMC Sierra 3500HD insurance cost comparison chart
Column chart showing full coverage GMC Sierra 3500HD insurance prices range from $740 to $4,892

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.

GMC Sierra 3500HD Insurance Rates by State
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%

View Chart as Image

GMC Sierra 3500HD insurance rates by U.S. city

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

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.

GMC Sierra 3500HD Insurance Rates by Model Year
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

Rates by Driver Age

GMC Sierra 3500HD Insurance 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

GMC Sierra 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,354
$500 $1,232
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra 3500HD Insurance Rates with Different Liability Limits
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

GMC Sierra 3500HD Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $740

Discounts are estimated and may not be available from every company or in every state.

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