2016 GMC Sierra 3500 Car Insurance Calculator

Explore and learn how the choices you make affect car insurance rates for a 2016 GMC Sierra 3500. Customize choices like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2016 GMC Sierra 3500 is $2,054 per year, or about $171 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,054

Cost Per Month

$171

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

GMC Sierra 3500 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 GMC Sierra 3500.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,054
Average Rate
Your Rate
$2,054

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 GMC Sierra 3500 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 GMC Sierra 3500 is $2,054.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 GMC Sierra 3500 Segment Comparison

The table below compares insurance rates for the 2016 GMC Sierra 3500 against all other models in the heavy duty truck segment. The GMC Sierra 3500 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the GMC Sierra 3500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the GMC Sierra 3500.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 GMC Sierra 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Silverado HD 2500$1,806-$248
2GMC Sierra 2500 HD$1,836-$218
3Nissan Titan XD$1,894-$160
4Ram Truck 2500$1,994-$60
2016 Heavy Duty Truck Average$2,000-$54
5Ford F250 Super Duty$2,004-$50
6Chevrolet Silverado HD 3500$2,038-$16
7GMC Sierra 3500$2,054--
8Ford F350 Super Duty$2,074$20
9Ram Truck 3500$2,108$54
10Ford F450 Super Duty$2,188$134

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Sierra 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 GMC Sierra 3500.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 GMC Sierra 3500 Insurance Rates by Trim Level
2016 GMC Sierra 3500 Trim Level Annual Premium Cost Per Month
Regular Cab 2WD$1,866$156
Crew Cab 2WD$1,946$162
Double Cab 2WD$1,946$162
SLE Regular Cab 2WD$1,946$162
Regular Cab 4WD$1,950$163
Double Cab 2WD Diesel$1,994$166
Regular Cab 2WD Diesel$1,994$166
SLE Crew Cab 2WD$1,994$166
SLE Double Cab 2WD$1,994$166
Crew Cab 4WD$2,000$167
Double Cab 4WD$2,000$167
Regular Cab 4WD Diesel$2,000$167
SLE Regular Cab 4WD$2,000$167
Double Cab 4WD Diesel$2,048$171
SLE Crew Cab 4WD$2,048$171
SLE Double Cab 4WD$2,048$171
SLE Regular Cab 4WD Diesel$2,048$171
Crew Cab 2WD Diesel$2,062$172
SLE Double Cab 2WD Diesel$2,076$173
SLE Regular Cab 2WD Diesel$2,076$173
SLT Crew Cab 2WD$2,076$173
SLT Double Cab 2WD$2,076$173
SLE Crew Cab 4WD Diesel$2,098$175
SLE Double Cab 4WD Diesel$2,098$175
SLT Crew Cab 4WD$2,098$175
SLT Double Cab 4WD$2,098$175
Denali Crew Cab 2WD$2,126$177
SLE Crew Cab 2WD Diesel$2,126$177
SLT Double Cab 2WD Diesel$2,126$177
Denali Crew Cab 4WD$2,144$179
SLT Crew Cab 4WD Diesel$2,144$179
SLT Double Cab 4WD Diesel$2,144$179
SLT Crew Cab 2WD Diesel$2,172$181
Denali Crew Cab 4WD Diesel$2,176$181
Denali Crew Cab 2WD Diesel$2,220$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 GMC Sierra 3500 for different driver ages.

2016 GMC Sierra 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,615$635
17$7,327$611
18$6,466$539
19$5,910$493
20$4,485$374
21$4,274$356
22$3,802$317
23$3,141$262
24$2,951$246
25$2,388$199
30$2,184$182
35$2,114$176
40$2,054$171
45$1,928$161
50$1,830$153
55$1,712$143
60$1,716$143
65$1,832$153
70$2,006$167
75$2,398$200
80$2,978$248

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all GMC Sierra 3500 trim levels.