2020 GMC Sierra 3500 Car Insurance Calculator

Understand how changes to driver risk factors and vehicle options affect car insurance rates for a 2020 GMC Sierra 3500. Update factors like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if rates increase or decrease with changes you make.

The average estimated car insurance premium for a 2020 GMC Sierra 3500 is $2,452 per year, or about $204 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

$2,452

Cost Per Month

$204

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 2020 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.

$2,452
Average Rate
Your Rate
$2,452

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 2020 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 2020 GMC Sierra 3500 is $2,452.

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.

2020 GMC Sierra 3500 Segment Comparison

The table below compares insurance rates for the 2020 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.

2020 GMC Sierra 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Silverado HD 3500$2,282-$170
2Nissan Titan XD$2,292-$160
3GMC Sierra 2500 HD$2,384-$68
4Chevrolet Silverado HD 2500$2,394-$58
2020 Heavy Duty Truck Average$2,431-$21
5GMC Sierra 3500$2,452--
6Ford F350 Super Duty$2,456$4
7Ford F250 Super Duty$2,472$20
8Ram Truck 2500$2,478$26
9Ford F450 Super Duty$2,540$88
10Ram Truck 3500$2,556$104

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.

2020 Sierra 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 GMC Sierra 3500 Insurance Rates by Trim Level
2020 GMC Sierra 3500 Trim Level Annual Premium Cost Per Month
Regular Cab 4WD$2,234$186
Regular Cab 2WD$2,260$188
Crew Cab 4WD$2,296$191
SLE Regular Cab 4WD$2,296$191
Double Cab 4WD$2,328$194
Double Cab 2WD$2,352$196
Regular Cab Diesel 4WD$2,360$197
SLE Crew Cab 4WD$2,360$197
SLE Double Cab 4WD$2,360$197
Crew Cab 2WD$2,384$199
SLE Double Cab 2WD$2,384$199
SLE Regular Cab 2WD$2,384$199
Crew Cab Diesel 4WD$2,422$202
SLE Regular Cab Diesel 4WD$2,422$202
Regular Cab Diesel 2WD$2,446$204
Double Cab Diesel 4WD$2,452$204
AT4 Crew Cab 4WD$2,482$207
AT4 Crew Cab Diesel 4WD$2,482$207
SLE Crew Cab Diesel 4WD$2,482$207
SLE Double Cab Diesel 4WD$2,482$207
SLT Crew Cab 4WD$2,482$207
SLE Crew Cab 2WD$2,488$207
Double Cab Diesel 2WD$2,520$210
Denali Crew Cab 4WD$2,526$211
Crew Cab Diesel 2WD$2,550$213
SLE Double Cab Diesel 2WD$2,550$213
SLE Regular Cab Diesel 2WD$2,550$213
SLT Crew Cab 2WD$2,550$213
SLT Crew Cab Diesel 4WD$2,588$216
SLE Crew Cab Diesel 2WD$2,612$218
Denali Crew Cab Diesel 4WD$2,650$221
SLT Crew Cab Diesel 2WD$2,676$223

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 2020 GMC Sierra 3500 for different driver ages.

2020 GMC Sierra 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,005$750
17$8,684$724
18$7,703$642
19$7,026$586
20$5,348$446
21$5,096$425
22$4,543$379
23$3,739$312
24$3,522$294
25$2,848$237
30$2,604$217
35$2,522$210
40$2,452$204
45$2,300$192
50$2,178$182
55$2,034$170
60$2,040$170
65$2,180$182
70$2,378$198
75$2,828$236
80$3,510$293

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.