GMC Sierra 3500HD Car Insurance [Guide + Free Quotes]

If you want to buy affordable GMC Sierra 3500HD insurance coverage then you should know that a policy will cost $136 per month ($1,632 per year) on average. Teens pay the highest rates at up to $5,965 a year, while good drivers may only pay $959.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 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

When it comes to GMC Sierra 3500HD car insurance rates, drivers spend $113 more per year than the average vehicle.

However, good drivers can bring their GMC Sierra 3500HD rates down by as much as $673 a year by qualifying for policy discounts. Learn everything you need to know about GMC Sierra 3500HD rates by reading through this detailed article.

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 auto 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 Honda Ridgeline, GMC Sierra, and Chevrolet Silverado 2500HD.

Vehicle Comprehensive Collision Liability Total
GMC Sierra 3500HD $376 $656 $420 $1,632
Honda Ridgeline $306 $536 $450 $1,472
GMC Sierra $336 $594 $372 $1,460
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Dodge Ram $362 $562 $420 $1,524
Ford F-150 $322 $470 $372 $1,322
Ford Ranger $254 $470 $372 $1,254
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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 will affect 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 rates for a 2020 GMC Sierra 3500HD cost $1,632, while 2010 GMC Sierra 3500HD rates 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 effect on GMC Sierra 3500HD car insurance rates. As an example, a 30-year-old driver pays around $72 more each year for their GMC Sierra 3500HD car 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 Los Angeles may pay $898 a year more than drivers in Phoenix.

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 car insurance with violations on their driving record.

GMC Sierra 3500HD Safety Features

GMC Sierra 3500HD safety features can lower the cost of your insurance. The safety features for the 2020 GMC Sierra 3500HD include:

  • StabiliTrak
  • Brake lining wear indicator
  • Daytime Running Lamps
  • LED signature lighting
  • Dual-stage frontal airbags for driver and front outboard passenger
  • Seat-mounted side-impact airbags for driver and front outboard passenger
  • Head-curtain airbags for front and rear outboard seating positions
  • Tire Pressure Monitoring System with Tire Fill Alert (does not apply to spare tire)
  • Rear Seat Reminder (Requires Crew Cab model)
  • Teen Driver System

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 auto insurance at the dealership, so be sure to shop around and compare GMC Sierra 3500HD auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on GMC Sierra 3500HD Insurance

You have more options at your disposal to save money on your GMC Sierra 3500HD car insurance costs. For example, try these five tips:

  • Buy Your GMC Sierra 3500HD with Cash, or Get a Shorter-Term Loan
  • Ask for a GMC Sierra 3500HD Discount If You Have College Degree or Higher
  • Ask About GMC Sierra 3500HD Discounts If You Were Listed on Someone Else’s Policy
  • Tell Your Insurer How You Use Your GMC Sierra 3500HD
  • Ask About Farm and Ranch Vehicle Discounts

Top GMC Sierra 3500HD Insurance Companies

The best auto insurance companies for GMC Sierra 3500HD car insurance rates will offer competitive rates, discounts, and account for the GMC Sierra 3500HD’s safety features. The following list of car insurance companies outlines which companies hold the highest 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Average Monthly Car Insurance Rates by State