GMC Sierra 3500HD Insurance Cost

Auto insurance for a GMC Sierra 3500HD will cost about $1,930 per year.

This beats the national average for popular heavy-duty models by $137. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a GMC Sierra 3500HD. Visit our Competitive Quote Tool to see if you can find lower rates for a Sierra 3500HD.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These GMC Sierra 3500HD insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

GMC Sierra 3500HD insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $6,537 $9,736 $11,509
18 $6,092 $9,073 $10,726
19 $5,383 $8,018 $9,479
20 $4,694 $6,992 $8,265
21 $3,936 $5,863 $6,931
22 $3,834 $5,710 $6,750
23 $3,354 $4,996 $5,906
24 $3,187 $4,747 $5,611
25 $2,750 $4,096 $4,842
30 $2,142 $3,191 $3,772
35 $2,006 $2,989 $3,533
40 $1,930 $2,874 $3,398
45 $1,878 $2,797 $3,306
55 $1,722 $2,565 $3,032
65 $1,796 $2,676 $3,163
75 $2,267 $3,377 $3,992

GMC Sierra 3500HD car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect GMC Sierra 3500HD by state.

GMC Sierra 3500HD Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,045 $2,864 $3,585
Alaska $1,691 $2,463 $2,581
Arizona $1,912 $2,966 $4,229
Arkansas $2,096 $3,175 $3,552
California $2,334 $4,082 $2,334
Colorado $2,178 $3,015 $3,761
Connecticut $2,783 $4,302 $5,510
Delaware $2,304 $3,172 $4,211
Florida $2,743 $3,726 $4,857
Georgia $2,236 $3,446 $3,536
Hawaii $893 $1,233 $893
Idaho $1,552 $2,089 $2,600
Illinois $1,624 $2,401 $2,785
Indiana $1,669 $2,608 $3,043
Iowa $1,322 $1,983 $2,311
Kansas $1,759 $2,589 $3,067
Kentucky $2,542 $3,824 $4,497
Louisiana $3,263 $4,988 $5,370
Maine $1,234 $1,655 $2,415
Maryland $1,997 $2,928 $3,458
Massachusetts $1,601 $2,708 $1,601
Michigan $3,865 $5,810 $8,933
Minnesota $1,591 $2,137 $3,163
Mississippi $1,920 $2,901 $3,064
Missouri $1,809 $2,492 $3,223
Montana $1,840 $2,879 $3,175
Nebraska $1,555 $2,202 $2,505
Nevada $2,565 $3,872 $4,248
New Hampshire $1,784 $2,876 $3,662
New Jersey $1,966 $3,100 $3,998
New Mexico $2,008 $2,889 $3,244
New York $1,860 $2,422 $3,909
North Carolina $1,153 $1,861 $1,434
North Dakota $1,578 $2,428 $3,082
Ohio $1,407 $2,300 $2,383
Oklahoma $2,246 $3,373 $3,825
Oregon $2,044 $3,087 $3,541
Pennsylvania $1,722 $2,603 $2,988
Rhode Island $2,874 $4,411 $5,045
South Carolina $1,952 $2,825 $4,031
South Dakota $1,751 $2,410 $2,891
Tennessee $2,060 $3,081 $3,887
Texas $2,074 $3,053 $3,832
Utah $1,764 $2,551 $3,519
Vermont $1,358 $2,172 $2,374
Virginia $1,280 $1,927 $2,047
Washington $1,694 $2,545 $3,001
West Virginia $1,704 $2,482 $3,065
Wisconsin $1,699 $2,480 $3,012
Wyoming $1,586 $2,331 $2,606

Other Important Costs of Owning a GMC Sierra 3500HD

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on GMC Sierra 3500HD depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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