GMC Sierra 3500 Insurance Cost for 2022

How much are Sierra 3500 insurance rates? We compare rates from the base Sierra 3500 Regular Cab 2WD up to the more appointed Denali Crew Cab Diesel 4WD trim to find out how average prices compare side-by-side to the rest of the heavy duty truck segment.

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  • Average GMC Sierra 3500 insurance cost is $1,794 per year, or $150 per month for full coverage.
  • The Sierra 3500 Pro Double Cab 2WD trim is the cheapest to insure at around $1,662 per year, or $139 per month.
  • The model with the most expensive insurance is the SLT Crew Cab 4WD at $1,958 per year, or around $163 per month.
  • Ranked #5 out of 10 vehicles in the heavy duty truck segment, average car insurance rates for the GMC Sierra 3500 cost $24 less per year than the segment average.

How much does GMC Sierra 3500 car insurance cost?

Expect to pay around $1,794 annually for full coverage to insure a GMC Sierra 3500. Liability/medical (or PIP) coverage is approximately $632 a year, collision insurance will cost an estimated $772, and the remaining comprehensive coverage costs around $390.

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 $1,374 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to the highest price of $4,132 per year for a driver age 20 with $250 physical damage deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 GMC Sierra 3500 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all GMC Sierra 3500 trim levels.Data last updated on August 29, 2022
GMC Sierra 3500 Car Insurance Rates
GMC Sierra 3500 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,070$256
$500$3,586$299
$250$4,132$344
30$1,000$1,592$133
$500$1,878$157
$250$2,180$182
40$1,000$1,530$128
$500$1,794$150
$250$2,068$172
50$1,000$1,398$117
$500$1,636$136
$250$1,884$157
60$1,000$1,374$115
$500$1,608$134
$250$1,850$154

The next table details yearly and semi-annual policy costs, including a monthly budget figure, for each GMC Sierra 3500 model and trim level.

2022 GMC Sierra 3500 Insurance Cost by Trim Level
GMC Sierra 3500 Trim Level Annual Policy 6-month Policy Per Month
Pro Double Cab 2WD$1,662$831$139
Pro Regular Cab 2WD$1,690$845$141
Pro Regular Cab 4WD$1,714$857$143
SLE Regular Cab 4WD$1,738$869$145
Pro Double Cab 4WD$1,748$874$146
Pro Crew Cab 4WD$1,750$875$146
SLE Crew Cab 4WD$1,774$887$148
SLE Regular Cab 2WD$1,780$890$148
Pro Crew Cab 2WD$1,784$892$149
SLE Double Cab 2WD$1,784$892$149
SLE Double Cab 4WD$1,794$897$150
AT4 Crew Cab 4WD$1,858$929$155
SLE Crew Cab 2WD$1,862$931$155
SLT Crew Cab 2WD$1,886$943$157
Denali Crew Cab 4WD$1,922$961$160
SLT Crew Cab 4WD$1,958$979$163

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Table Data Details: Average rates are for a 2022 GMC Sierra 3500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 29, 2022
GMC Sierra 3500 Insurance Cost by Trim Level

The following data table shows average GMC Sierra 3500 car insurance premiums for the 2013 to 2021 model years and a range of rated drivers.

GMC Sierra 3500 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,586$1,878$1,794$1,636$1,608
2021$3,590$1,878$1,794$1,634$1,604
2020$3,530$1,842$1,762$1,608$1,578
2019$3,496$1,816$1,732$1,584$1,556
2018$3,444$1,788$1,710$1,562$1,534
2017$3,368$1,742$1,670$1,528$1,500
2016$3,190$1,652$1,580$1,448$1,424
2015$2,842$1,480$1,412$1,290$1,268
2014$2,530$1,326$1,268$1,160$1,136
2013$2,828$1,462$1,418$1,296$1,272

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 29, 2022
GMC Sierra 3500 Insurance Cost by Model Year

How do Sierra 3500 car insurance prices compare?

When compared directly to other heavy duty trucks, insurance rates for a GMC Sierra 3500 cost $28 less per year than the Chevrolet Silverado HD 2500, $128 more than the Chevrolet Silverado HD 3500, and $20 less than the Ford F250 Super Duty.

The GMC Sierra 3500 ranks #5 out of 10 total comparison vehicles in the heavy duty truck segment for most affordable insurance cost. The Sierra 3500 costs an average of $1,794 per year for insurance, while the category average policy cost is $1,818 annually, a difference of $24 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year GMC Sierra 3500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all GMC Sierra 3500 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 29, 2022
GMC Sierra 3500 vs Heavy Duty Trucks Insurance Rate Comparison
GMC Sierra 3500 Insurance Cost Compared to All Heavy Duty Trucks
Rank Make/Model Insurance Cost Difference
1Ford F350 Super Duty$1,656-$138
2Chevrolet Silverado HD 3500$1,666-$128
3Nissan Titan XD$1,714-$80
4GMC Sierra 2500 HD$1,780-$14
5GMC Sierra 3500$1,794--
6Ford F250 Super Duty$1,814$20
7Chevrolet Silverado HD 2500$1,822$28
8Ram Truck 2500$1,884$90
9Ford F450 Super Duty$2,004$210
10Ram Truck 3500$2,050$256

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 $308 per yearon 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 $54 and $159 on your annual car insurance bill, depending on the level of coverage purchased.
  • Driver age and gender matter. For 2022 GMC Sierra 3500 insurance, a 20-year-old man will pay around $3,586 per year, while a 20-year-old woman pays $2,654, a difference of $932 per year. The females get the cheaper rate by far. But by age 50, rates for male drivers are $1,636 and rates for female drivers are $1,602, a difference of only $34.
  • 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 $2,820 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 $264 per year for a 40-year-old driver and $516 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 $274 per year for a 40-year-old driver and $546 per year for a 20-year-old driver.