- Average GMC Sierra 3500 insurance cost is $2,542 per year, or $212 per month for full coverage.
- The Sierra 3500 Pro Regular Cab 2WD trim is the cheapest to insure at around $2,028 per year, or $169 per month.
- The model with the most expensive insurance is the Denali Ultimate Crew Cab 4WD at $3,326 per year, or around $277 per month.
- Ranked second out of 10 vehicles in the heavy duty truck segment, average car insurance rates for the GMC Sierra 3500 cost $217 less per year than the segment average.
How much does GMC Sierra 3500 car insurance cost?
Expect to pay around $2,542 annually for full coverage to insure a GMC Sierra 3500. Liability/medical (or PIP) coverage is approximately $942 a year, collision insurance will cost an estimated $1,014, and the remaining comprehensive coverage costs around $586.
The next chart illustrates how Sierra 3500 car insurance cost can fluctuate based on the age of the driver and different policy deductibles. The values range from a low of $1,824 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to the highest price of $5,864 per year for a driver age 20 with $250 physical damage deductibles.
The next table details yearly and semi-annual policy costs, including a monthly budget figure, for each GMC Sierra 3500 model and trim level.
| 2024 GMC Sierra 3500 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Pro Regular Cab 2WD | $2,028 | $169 |
| Pro Double Cab 2WD | $2,108 | $176 |
| Pro Crew Cab 2WD | $2,162 | $180 |
| SLE Regular Cab 2WD | $2,196 | $183 |
| SLE Double Cab 2WD | $2,268 | $189 |
| SLE Crew Cab 2WD | $2,320 | $193 |
| SLT Crew Cab 2WD | $2,450 | $204 |
| Pro Regular Cab 4WD | $2,466 | $206 |
| Pro Crew Cab 4WD | $2,472 | $206 |
| Pro Double Cab 4WD | $2,538 | $212 |
| SLE Regular Cab 4WD | $2,618 | $218 |
| SLE Crew Cab 4WD | $2,662 | $222 |
| SLE Double Cab 4WD | $2,684 | $224 |
| SLT Crew Cab 4WD | $2,838 | $237 |
| AT4 Crew Cab 4WD | $3,004 | $250 |
| Denali Crew Cab 4WD | $3,072 | $256 |
| Denali Ultimate Crew Cab 4WD | $3,326 | $277 |
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. Updated October 24, 2025
The following data table shows average GMC Sierra 3500 car insurance premiums for the 2013 to 2024 model years and a range of rated drivers.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 GMC Sierra 3500 | $5,122 | $2,542 | $2,118 |
| 2023 GMC Sierra 3500 | $4,958 | $2,460 | $2,050 |
| 2022 GMC Sierra 3500 | $5,238 | $2,576 | $2,142 |
| 2021 GMC Sierra 3500 | $5,266 | $2,588 | $2,154 |
| 2020 GMC Sierra 3500 | $5,116 | $2,512 | $2,092 |
| 2019 GMC Sierra 3500 | $4,990 | $2,428 | $2,024 |
| 2018 GMC Sierra 3500 | $4,812 | $2,348 | $1,960 |
| 2017 GMC Sierra 3500 | $4,636 | $2,262 | $1,890 |
| 2016 GMC Sierra 3500 | $4,296 | $2,106 | $1,760 |
| 2015 GMC Sierra 3500 | $3,748 | $1,842 | $1,538 |
| 2014 GMC Sierra 3500 | $3,390 | $1,682 | $1,406 |
| 2013 GMC Sierra 3500 | $3,802 | $1,880 | $1,578 |
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 GMC Sierra 3500 trim levels for each model year. Updated October 24, 2025
How do Sierra 3500 car insurance prices compare?
When compared directly to other heavy duty trucks, insurance rates for a GMC Sierra 3500 cost $90 less per year than the Chevrolet Silverado HD 2500, $22 less than the Chevrolet Silverado HD 3500, and $342 less than the Ford F250 Super Duty.
The GMC Sierra 3500 ranks second out of 10 total comparison vehicles in the heavy duty truck segment for most affordable insurance cost. The Sierra 3500 costs an average of $2,542 per year for insurance, while the category average policy cost is $2,759 annually, a difference of $217 per year.
The following chart shows how insurance cost for a GMC Sierra 3500 compares to the top-selling heavy duty trucks like the Ford F350 Super Duty, GMC Sierra 2500 HD, and the Ram Truck 2500.
Supplementary Sierra 3500 insurance rates and insights
Other important data observations about insuring a GMC Sierra 3500 include:
- Qualify for policy discounts to lower insurance cost. Discounts may be available if the insureds are homeowners, choose electronic billing, are accident-free, sign their policy early, drive low annual mileage, or many other policy discounts which could save the average driver as much as $436 per year on the cost of insuring a Sierra 3500.
- Get a discount from your job. Some auto insurance providers offer policy discounts for specific professions like high school and elementary teachers, college professors, nurses, accountants, members of the military, and other. By qualifying for this discount, you could save between $76 and $233 on your annual car insurance bill, depending on the level of coverage purchased.
- Driver age and gender matter. For 2024 GMC Sierra 3500 insurance, a 20-year-old man will pay around $5,122 per year, while a 20-year-old woman pays $3,688, a difference of $1,434 per year. The females get the cheaper rate by far. But by age 50, rates for male drivers are $2,268 and rates for female drivers are $2,200, a difference of only $68.
- It’s expensive to buy high-risk insurance. For a 20-year-old driver, having a high frequency of accidents or violations increases the cost by $4,030 or more per year.
- Lower the cost of your policy by increasing deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $362 per year for a 40-year-old driver and $704 per year for a 20-year-old driver.
- Decreasing deductibles will cost more. Decreasing your policy deductibles from $500 to $250 could cost an additional $380 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.