GMC Sierra 3500HD Insurance Quotes [Rates + Cheap Coverage Guide]

If you want to buy cheap GMC Sierra 3500HD insurance coverage then you should know that a policy will cost $136 per month ($1,632 per year) on average. Comprehensive, collision, and liability insurance cost around $398, $580, and $460, respectively.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,632 a year or $136 each month
  • A liability-only policy costs around $654 a year or $55 each month
  • Highest rates are for teenage drivers at around $5,965 a year or $497 each month
  • Good drivers can save as much as $673 a year by earning policy discounts
  • GMC Sierra 3500HD insurance costs around $113 more per year than the average vehicle

Are you worried your GMC Sierra 3500HD insurance rates will be expensive? GMC Sierra 3500HD insurance costs around $113 more per year than the average vehicle. Luckily, there are plenty of ways to reduce your rates. Read on to learn more about GMC Sierra 3500HD insurance rates and how to save.

You can start comparing quotes for GMC Sierra 3500HD car insurance rates from some of the best car insurance companies by using our free online tool now.

GMC Sierra 3500HD Insurance Cost

The average GMC Sierra 3500HD car insurance costs are $1,632 a year or $136 a month.

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Are GMC Sierra 3500HDs Expensive to Insure?

The chart below details how GMC Sierra 3500HD insurance rates compare to other trucks like the Toyota Tundra, Chevrolet Silverado, and Ford Ranger.

Vehicle Comprehensive Collision Liability Total
GMC Sierra 3500HD $376 $656 $420 $1,632
Toyota Tundra $320 $512 $440 $1,452
Chevrolet Silverado $322 $562 $420 $1,484
Ford Ranger $254 $470 $372 $1,254
Chevrolet Colorado $254 $438 $372 $1,222
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
Nissan Frontier $294 $500 $420 $1,394
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However, there are a few things you can do to find the cheapest GMC insurance rates online.

What Impacts the Cost of GMC Sierra 3500HD Insurance?

The GMC Sierra 3500HD trim and model you choose can impact the total price you will pay for GMC Sierra 3500HD insurance coverage.

Age of the Vehicle

The average GMC Sierra 3500HD auto insurance rates are higher for newer models. For example, auto insurance for a 2020 GMC Sierra 3500HD costs $1,632, while 2010 GMC Sierra 3500HD insurance costs are $1,328, a difference of $304.

Model Year Comprehensive Collision Liability Total
2020 GMC Sierra 3500HD $376 $656 $420 $1,632
2019 GMC Sierra 3500HD $358 $630 $440 $1,608
2018 GMC Sierra 3500HD $344 $626 $450 $1,600
2017 GMC Sierra 3500HD $332 $610 $470 $1,592
2016 GMC Sierra 3500HD $320 $586 $486 $1,572
2015 GMC Sierra 3500HD $304 $564 $500 $1,548
2014 GMC Sierra 3500HD $292 $524 $510 $1,506
2013 GMC Sierra 3500HD $280 $494 $514 $1,468
2012 GMC Sierra 3500HD $268 $442 $520 $1,410
2011 GMC Sierra 3500HD $250 $408 $520 $1,358
2010 GMC Sierra 3500HD $242 $382 $524 $1,328
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Driver Age

Driver age can have a significant impact on GMC Sierra 3500HD auto insurance rates. For instance, a 30-year-old driver may pay $72 more each year for GMC Sierra 3500HD auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on GMC Sierra 3500HD insurance rates. For example, drivers in Phoenix may pay $898 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of GMC Sierra 3500HD auto insurance. Teens and drivers in their 20’s see the highest jump in their GMC Sierra 3500HD car insurance with violations on their driving record.

GMC Sierra 3500HD Safety Ratings

Your GMC Sierra 3500HD car insurance rates are tied to the safety ratings of the GMC Sierra 3500HD. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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GMC Sierra 3500HD Crash Test Ratings

Not only do good GMC Sierra 3500HD crash test ratings mean you are better protected in a crash, but good GMC Sierra 3500HD crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
GMC Sierra 3500HD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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GMC Sierra 3500HD Safety Features

Having a variety of safety features on your GMC Sierra 3500HD can help lower your insurance costs. The 2020 GMC Sierra 3500HD’s safety features include:

  • Standard side airbags
  • Side-curtain airbags
  • Backup camera
  • Traction control
  • Stability control
  • Trailer sway control

GMC Sierra 3500HD Finance and Insurance Cost

If you are financing a GMC Sierra 3500HD, most lenders will require your carry higher GMC Sierra 3500HD coverage options including comprehensive coverage, so be sure to shop around and compare GMC Sierra 3500HD auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on GMC Sierra 3500HD Insurance

Although it may seem like your GMC Sierra 3500HD car insurance rates are set, there are a few measures that you can take to secure the best GMC Sierra 3500HD car insurance rates possible. Take a look at the following five ways to save on GMC Sierra 3500HD auto insurance.

  • Ask About a Student Away from Home Discount
  • Consider Renting a Car Instead of Buying a Second GMC Sierra 3500HD
  • Ask for a GMC Sierra 3500HD Discount If You Have College Degree or Higher
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Don’t Skimp On GMC Sierra 3500HD Liability Coverage

Top GMC Sierra 3500HD Insurance Companies

Several top car insurance companies offer competitive rates for the GMC Sierra 3500HD rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with GMC Sierra 3500HD drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free GMC Sierra 3500HD Insurance Quotes Online

You can start comparing quotes for GMC Sierra 3500HD insurance from some of the top car insurance companies by using our free online tool today.

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