- Average GMC Sierra 3500 insurance cost is $1,912 per year, or $159 per month for full coverage.
- The Sierra 3500 Pro Regular Cab 2WD trim is the cheapest to insure at around $1,498 per year, or $125 per month.
- The model with the most expensive insurance is the Denali Crew Cab 4WD at $2,360 per year, or around $197 per month.
- Ranked second out of 10 vehicles in the heavy duty truck segment, average car insurance rates for the GMC Sierra 3500 cost $170 less per year than the segment average.
How much does GMC Sierra 3500 car insurance cost?
Expect to pay around $1,912 annually for full coverage to insure a GMC Sierra 3500. Liability/medical (or PIP) coverage is approximately $730 a year, collision insurance will cost an estimated $752, and the remaining comprehensive coverage costs around $430.
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 $1,476 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to the highest price of $4,352 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.
| GMC Sierra 3500 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Pro Regular Cab 2WD | $1,498 | $749 | $125 |
| Pro Double Cab 2WD | $1,584 | $792 | $132 |
| Pro Crew Cab 2WD | $1,628 | $814 | $136 |
| SLE Regular Cab 2WD | $1,688 | $844 | $141 |
| SLE Double Cab 2WD | $1,742 | $871 | $145 |
| SLE Crew Cab 2WD | $1,776 | $888 | $148 |
| Pro Regular Cab 4WD | $1,848 | $924 | $154 |
| SLT Crew Cab 2WD | $1,920 | $960 | $160 |
| Pro Double Cab 4WD | $1,924 | $962 | $160 |
| Pro Crew Cab 4WD | $1,964 | $982 | $164 |
| SLE Regular Cab 4WD | $2,020 | $1,010 | $168 |
| SLE Double Cab 4WD | $2,066 | $1,033 | $172 |
| SLE Crew Cab 4WD | $2,100 | $1,050 | $175 |
| SLT Crew Cab 4WD | $2,230 | $1,115 | $186 |
| AT4 Crew Cab 4WD | $2,278 | $1,139 | $190 |
| Denali Crew Cab 4WD | $2,360 | $1,180 | $197 |
The following data table shows average GMC Sierra 3500 car insurance premiums for the 2013 to 2023 model years and a range of rated drivers.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 GMC Sierra 3500 | $3,804 | $1,912 | $1,712 |
| 2022 GMC Sierra 3500 | $4,006 | $2,002 | $1,794 |
| 2021 GMC Sierra 3500 | $4,028 | $2,008 | $1,800 |
| 2020 GMC Sierra 3500 | $3,980 | $1,984 | $1,778 |
| 2019 GMC Sierra 3500 | $3,894 | $1,930 | $1,734 |
| 2018 GMC Sierra 3500 | $3,840 | $1,904 | $1,710 |
| 2017 GMC Sierra 3500 | $3,696 | $1,834 | $1,648 |
| 2016 GMC Sierra 3500 | $3,524 | $1,752 | $1,570 |
| 2015 GMC Sierra 3500 | $3,070 | $1,530 | $1,372 |
| 2014 GMC Sierra 3500 | $2,762 | $1,386 | $1,242 |
| 2013 GMC Sierra 3500 | $3,126 | $1,566 | $1,404 |
How do Sierra 3500 car insurance prices compare?
When compared directly to other heavy duty trucks, insurance rates for a GMC Sierra 3500 cost $74 less per year than the Chevrolet Silverado HD 2500, $80 less than the Chevrolet Silverado HD 3500, and $280 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 $1,912 per year for insurance, while the category average policy cost is $2,082 annually, a difference of $170 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 $324 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 $57 and $183 on your annual car insurance bill, depending on the level of coverage purchased.
- Driver age and gender matter. For 2023 GMC Sierra 3500 insurance, a 20-year-old man will pay around $3,804 per year, while a 20-year-old woman pays $2,830, a difference of $974 per year. The females get the cheaper rate by far. But by age 50, rates for male drivers are $1,744 and rates for female drivers are $1,710, 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 $2,968 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 $270 per year for a 40-year-old driver and $522 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 $280 per year for a 40-year-old driver and $548 per year for a 20-year-old driver.