GMC Sierra 3500HD Insurance Cost [Rates + Coverage Guide]

GMC Sierra 3500HD insurance costs around $136 a month on average, but to find the best GMC Sierra 3500HD insurance rates you will have to comparison shop online. While the most popular companies for GMC Sierra 3500HD insurance coverage are State Farm and GEICO, you may find better rates when you compare GMC Sierra 3500HD insurance quotes against other companies with our free quote comparison tool below.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 7, 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

GMC Sierra 3500HD insurance rates are about $113 more per year than the average vehicle with full coverage costing around $1,632 a year or $136 a month. The highest rates are for teens who will pay around $5,965 a year or $497 a month as high-risk drivers with little experience on the road.

Good drivers can save up to $673 in policy discounts. Let’s take a closer look at GMC Sierra 3500HD insurance rates, safety features, and more.

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 Ford Ranger, GMC Canyon, and Honda Ridgeline.

VehicleComprehensiveCollisionLiabilityTotal
GMC Sierra 3500HD$376$656$420$1,632
Ford Ranger$254$470$372$1,254
GMC Canyon$270$478$398$1,304
Honda Ridgeline$306$536$450$1,472
GMC Sierra$336$594$372$1,460
Ford F-150$322$470$372$1,322
Toyota Tacoma$294$482$390$1,324

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?

Even though the average annual rate for the GMC Sierra 3500HD is $1,632, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your GMC Sierra 3500HD.

Age of the Vehicle

Older GMC Sierra 3500HD models generally cost less to insure. For example, car insurance rates for a 2020 GMC Sierra 3500HD are $1,632, while 2010 GMC Sierra 3500HD rates are $1,328, a difference of $304.

Model YearComprehensiveCollisionLiabilityTotal
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

Driver Age

Driver age can have a significant effect on GMC Sierra 3500HD car insurance rates. For example, 20-year-old drivers pay $1,996 more for their GMC Sierra 3500HD car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on GMC Sierra 3500HD insurance rates. For example, drivers in Los Angeles may pay $604 a year more than drivers in Philadelphia.

Your Driving Record

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

GMC Sierra 3500HD Safety Features

The more safety features you have on your GMC Sierra 3500HD, the more likely it is that you can earn a discount. The GMC Sierra 3500HD’s safety features include:

  • Forward Collision Alert
  • Lane Departure Warning
  • Following Distance Indicator
  • Rear Cross-Traffic Alert
  • Safety Alert Seat
  • Automatic Emergency Braking
  • Front and Rear Park Assist
  • Teen Driver

GMC Sierra 3500HD Finance and Insurance Cost

If you are financing a GMC Sierra 3500HD, you will pay more if you purchase GMC Sierra 3500HD car insurance at the dealership, so be sure to shop around and compare GMC Sierra 3500HD car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on GMC Sierra 3500HD Insurance

If you want to reduce the cost of your GMC Sierra 3500HD insurance rates, follow these tips below:

  • Understand that Your Insurer Can Change Your GMC Sierra 3500HD Auto Insurance Rates Mid-Term for Other Reasons
  • Buy a Dashcam for Your GMC Sierra 3500HD
  • Tell Your Insurer How You Use Your GMC Sierra 3500HD
  • Consider Ride Sharing Services to Lower Your GMC Sierra 3500HD Mileage
  • Use an Accurate Job Title When Requesting GMC Sierra 3500HD Auto Insurance

Top GMC Sierra 3500HD Insurance Companies

Who is the best company for GMC Sierra 3500HD insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Sierra 3500HD insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Sierra 3500HD offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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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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