GMC Sierra 3500 Insurance Cost for 2023

We compared the average insurance cost for the cheapest Pro Regular Cab 2WD model up to the Denali Crew Cab 4WD trim to look at how insurance on a Sierra 3500 ranks when compared to similar heavy duty trucks.

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  • Average GMC Sierra 3500 insurance cost is $1,866 per year, or $156 per month for full coverage.
  • The Sierra 3500 Pro Regular Cab 2WD trim is the cheapest to insure at around $1,460 per year, or $122 per month.
  • The model with the most expensive insurance is the Denali Crew Cab 4WD at $2,296 per year, or around $191 per month.
  • Ranked second out of 10 vehicles in the heavy duty truck segment, average car insurance rates for the GMC Sierra 3500 cost $161 less per year than the segment average.

How much does GMC Sierra 3500 car insurance cost?

Expect to pay around $1,866 annually for full coverage to insure a GMC Sierra 3500. Liability/medical (or PIP) coverage is approximately $714 a year, collision insurance will cost an estimated $732, and the remaining comprehensive coverage costs around $420.

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 $1,438 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to the highest price of $4,240 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 2023 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 December 30, 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$3,196$266
$500$3,706$309
$250$4,240$353
30$1,000$1,660$138
$500$1,946$162
$250$2,242$187
40$1,000$1,604$134
$500$1,866$156
$250$2,138$178
50$1,000$1,468$122
$500$1,702$142
$250$1,946$162
60$1,000$1,438$120
$500$1,666$139
$250$1,908$159

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

2023 GMC Sierra 3500 Insurance Cost by Trim Level
GMC Sierra 3500 Trim Level Annual Policy 6-month Policy Per Month
Pro Regular Cab 2WD$1,460$730$122
Pro Double Cab 2WD$1,542$771$129
Pro Crew Cab 2WD$1,584$792$132
SLE Regular Cab 2WD$1,644$822$137
SLE Double Cab 2WD$1,696$848$141
SLE Crew Cab 2WD$1,730$865$144
Pro Regular Cab 4WD$1,798$899$150
SLT Crew Cab 2WD$1,870$935$156
Pro Double Cab 4WD$1,872$936$156
Pro Crew Cab 4WD$1,912$956$159
SLE Regular Cab 4WD$1,964$982$164
SLE Double Cab 4WD$2,012$1,006$168
SLE Crew Cab 4WD$2,042$1,021$170
SLT Crew Cab 4WD$2,170$1,085$181
AT4 Crew Cab 4WD$2,216$1,108$185
Denali Crew Cab 4WD$2,296$1,148$191

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 December 30, 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 2023 model years and a range of rated drivers.

GMC Sierra 3500 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 GMC Sierra 3500$3,706$1,866$1,666
2022 GMC Sierra 3500$3,904$1,950$1,748
2021 GMC Sierra 3500$3,922$1,958$1,756
2020 GMC Sierra 3500$3,876$1,932$1,734
2019 GMC Sierra 3500$3,794$1,880$1,690
2018 GMC Sierra 3500$3,742$1,852$1,666
2017 GMC Sierra 3500$3,602$1,786$1,606
2016 GMC Sierra 3500$3,432$1,704$1,532
2015 GMC Sierra 3500$2,988$1,490$1,334
2014 GMC Sierra 3500$2,690$1,348$1,210
2013 GMC Sierra 3500$3,044$1,522$1,370

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 December 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 $70 less per year than the Chevrolet Silverado HD 2500, $74 less than the Chevrolet Silverado HD 3500, and $266 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 $1,866 per year for insurance, while the category average policy cost is $2,027 annually, a difference of $161 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 2023 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 December 30, 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
1GMC Sierra 2500 HD$1,804-$62
2GMC Sierra 3500$1,866--
3Chevrolet Silverado HD 2500$1,936$70
4Chevrolet Silverado HD 3500$1,940$74
5Nissan Titan XD$1,970$104
6Ram Truck 2500$2,002$136
7Ford F350 Super Duty$2,108$242
8Ford F250 Super Duty$2,132$266
9Ram Truck 3500$2,158$292
10Ford F450 Super Duty$2,358$492

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 $320 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 $56 and $178 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 $3,706 per year, while a 20-year-old woman pays $2,756, a difference of $950 per year. The females get the cheaper rate by far. But by age 50, rates for male drivers are $1,702 and rates for female drivers are $1,664, a difference of only $38.
  • 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 $2,892 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 $262 per year for a 40-year-old driver and $510 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 $272 per year for a 40-year-old driver and $534 per year for a 20-year-old driver.