2022 GMC Sierra 3500 Car Insurance Calculator

Discover and learn how decisions you make impact the cost of car insurance for a 2022 GMC Sierra 3500. Customize homeowner status, credit history, policy coverages, and liability limits to learn how each affects rates. Find out instantly if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2022 GMC Sierra 3500 is $2,512 per year, or about $209 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

$2,512

Cost Per Month

$209

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 2022 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.

$2,512
Average Rate
Your Rate
$2,512

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 2022 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 2022 GMC Sierra 3500 is $2,512.

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.

2022 GMC Sierra 3500 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 GMC Sierra 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F350 Super Duty$2,320-$192
2Chevrolet Silverado HD 3500$2,328-$184
3Nissan Titan XD$2,398-$114
4GMC Sierra 2500 HD$2,492-$20
5GMC Sierra 3500$2,512--
6Ford F250 Super Duty$2,542$30
2022 Heavy Duty Truck Average$2,546$34
7Chevrolet Silverado HD 2500$2,552$40
8Ram Truck 2500$2,636$124
9Ford F450 Super Duty$2,810$298
10Ram Truck 3500$2,874$362

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.

2022 Sierra 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 GMC Sierra 3500 Insurance Rates by Trim Level
2022 GMC Sierra 3500 Trim Level Annual Premium Cost Per Month
Pro Double Cab 2WD$2,328$194
Pro Regular Cab 2WD$2,368$197
Pro Regular Cab 4WD$2,398$200
SLE Regular Cab 4WD$2,432$203
Pro Double Cab 4WD$2,446$204
Pro Crew Cab 4WD$2,450$204
SLE Crew Cab 4WD$2,484$207
SLE Regular Cab 2WD$2,494$208
Pro Crew Cab 2WD$2,500$208
SLE Double Cab 2WD$2,500$208
SLE Double Cab 4WD$2,510$209
AT4 Crew Cab 4WD$2,602$217
SLE Crew Cab 2WD$2,612$218
SLT Crew Cab 2WD$2,646$221
Denali Crew Cab 4WD$2,694$225
SLT Crew Cab 4WD$2,744$229

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 2022 GMC Sierra 3500 for different driver ages.

2022 GMC Sierra 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,210$768
17$8,885$740
18$7,885$657
19$7,193$599
20$5,476$456
21$5,219$435
22$4,653$388
23$3,830$319
24$3,610$301
25$2,920$243
30$2,670$223
35$2,584$215
40$2,512$209
45$2,356$196
50$2,232$186
55$2,086$174
60$2,092$174
65$2,234$186
70$2,434$203
75$2,894$241
80$3,588$299

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.