Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used GMC Sierra 3500HD? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

GMC Sierra 3500HD car insurance facts

  • Average full coverage auto insurance premium: $145/month

  • Most affordable companies: Allied Insurance ($87/month) & Progressive ($92/month)

  • Sierra 3500HD car insurance cost vs. average rates: $15 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your GMC Sierra 3500HD by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average GMC Sierra 3500HD insurer costs by state:

Risk factors affecting GMC Sierra 3500HD car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on GMC Sierra 3500HD car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all GMC models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

GMC automobile brand

General Motors Company (GMC) is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the GMC brand for the United States market. GMC is the largest United States automobile manufacturer and one of the world’s largest auto manufacturers. The target market of GMC is middle, upper-middle, and upper-class U.S. consumers focusing on advanced technology with creative designs and affordability. All GMC automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The GMC Sierra 1500, Canyon, Terrain, and Yukon are some of their most popular vehicles.

High GMC Sierra 3500HD repair costs equal high car insurance rates

Many consumers are attracted to GMC’s creative designs, increased fuel efficiencies, and driver-assist technologies, like GMC’s Pro and GMC Pro Safety technological innovations. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a GMC is higher than average since repair parts are slightly more expensive. For this reason, many GMCs are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for GMC Sierra 3500HD affecting car insurance policies

Another factor to consider for GMC is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all GMC models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent GMC IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

GMCs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as GMC’s Pro Safety and Pro Safety Plus innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% car insurance discounts for passive restraints and safety features for most GMC models. The GMC Terrain and Acadia are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives GMC automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new GMC automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$2232
Allied$1052
Allstate$1835
Auto-Owners$1924
Cincinnati Insurance$2188
Direct Auto$2156
GEICO$1359
Kentucky Farm Bureau$1967
Liberty Mutual$1825
MetLife$2194
Nationwide$1734
Plymouth Rock Insurance$1890
Progressive$1194
State Farm$1480
Tennessee Farmers$1241
Texas Farm Bureau$1648
The Hanover$2015
Travelers$1367
USAA$1529

Compare all 2021 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$1680

List Price

$37400

Trims Available

Base - SLE - SLT - Denali - Base Engine: 6.6L V8 Gas Engine at 401 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Allied$946
Allstate$1791
Auto-Owners$1875
Farmers$1880
GEICO$1165
Liberty Mutual$1754
Mercury$1812
MetLife$2043
Nationwide$1580
Progressive$1067
State Farm$1301
Tennessee Farmers$1121
Texas Farm Bureau$1495
The Hanover$1956
Travelers$1253
USAA$1397

Compare all 2020 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$1587

List Price

$37000

Trims Available

Base - SLE - SLT - Denali - Base Engine: 6.6L V8 Gas Engine at 401 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Allied$925
Allstate$1433
Auto-Owners$1547
GEICO$1035
Kentucky Farm Bureau$1629
Liberty Mutual$1330
Mercury$1502
MetLife$1835
Nationwide$1261
Progressive$935
State Farm$1152
Tennessee Farmers$978
Texas Farm Bureau$1249
The Hanover$1706
Travelers$1056
USAA$1196

Compare all 2019 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$1435

List Price

$40800

Trims Available

Base - SLE - SLT - Denali - Base Engine: 6.6L V8 Gas Engine at 401 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1052
Acuity$ 1052
American Family$ 1031
American Family$ 1031
Country$ 968
Country$ 968
Erie$ 659
Erie$ 659
GEICO$ 499
GEICO$ 499
Nationwide$ 908
Nationwide$ 908
Progressive$ 759
Progressive$ 759
Safeco$ 1138
Safeco$ 1138
State Farm$ 748
State Farm$ 748
Tennessee Farmers$ 986
Tennessee Farmers$ 986
USAA$ 760
USAA$ 760
Vermont Mutual$ 1016
Vermont Mutual$ 1016

Compare all 2018 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 889

List Price

$ 36100

Trims Available

Base - SLE - SLT - Denali

2017 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1023
Acuity$ 1023
American Family$ 1018
American Family$ 1018
Country$ 924
Country$ 924
Erie$ 640
Erie$ 640
GEICO$ 522
GEICO$ 522
Nationwide$ 922
Nationwide$ 922
Progressive$ 714
Progressive$ 714
Safeco$ 1061
Safeco$ 1061
State Farm$ 718
State Farm$ 718
Texas Farm Bureau$ 761
Texas Farm Bureau$ 761
USAA$ 753
USAA$ 753
Vermont Mutual$ 983
Vermont Mutual$ 983

Compare all 2017 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 888

List Price

$ 35290

Trims Available

Base - SLE - SLT - Denali

2016 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 921
Acuity$ 921
American Family$ 969
American Family$ 969
Country$ 825
Country$ 825
Erie$ 621
Erie$ 621
GEICO$ 491
GEICO$ 491
Nationwide$ 889
Nationwide$ 889
Progressive$ 711
Progressive$ 711
Safeco$ 931
Safeco$ 931
State Farm$ 627
State Farm$ 627
Texas Farm Bureau$ 713
Texas Farm Bureau$ 713
USAA$ 746
USAA$ 746
Vermont Mutual$ 806
Vermont Mutual$ 806

Compare all 2016 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 829

List Price

$ 34635

Trims Available

Base - SLE - SLT - Denali

2015 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 885
Acuity$ 885
Country$ 789
Country$ 789
Erie$ 483
Erie$ 483
GEICO$ 490
GEICO$ 490
Nationwide$ 892
Nationwide$ 892
Progressive$ 712
Progressive$ 712
Safeco$ 869
Safeco$ 869
State Farm$ 613
State Farm$ 613
Tennessee Farmers$ 762
Tennessee Farmers$ 762
Texas Farm Bureau$ 719
Texas Farm Bureau$ 719
USAA$ 714
USAA$ 714
Vermont Mutual$ 809
Vermont Mutual$ 809

Compare all 2015 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 795

List Price

$ 34295

Trims Available

Base - SLE - SLT - Denali

2014 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 911
Acuity$ 911
American Family$ 938
American Family$ 938
Country$ 875
Country$ 875
Erie$ 593
Erie$ 593
GEICO$ 493
GEICO$ 493
Nationwide$ 921
Nationwide$ 921
Progressive$ 759
Progressive$ 759
State Farm$ 623
State Farm$ 623
Tennessee Farmers$ 776
Tennessee Farmers$ 776
Texas Farm Bureau$ 779
Texas Farm Bureau$ 779
USAA$ 736
USAA$ 736
Vermont Mutual$ 826
Vermont Mutual$ 826

Compare all 2014 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 832

List Price

$ 32805

Trims Available

Work Truck - SLE - SLT - Denali

2013 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 796
Acuity$ 796
American Family$ 832
American Family$ 832
Country$ 733
Country$ 733
Erie$ 578
Erie$ 578
GEICO$ 452
GEICO$ 452
Nationwide$ 791
Nationwide$ 791
Progressive$ 696
Progressive$ 696
State Farm$ 554
State Farm$ 554
Tennessee Farmers$ 688
Tennessee Farmers$ 688
Texas Farm Bureau$ 765
Texas Farm Bureau$ 765
USAA$ 694
USAA$ 694
Vermont Mutual$ 697
Vermont Mutual$ 697

Compare all 2013 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 748

List Price

$ 30795

Trims Available

Work Truck - SLE - Work Truck - SLT - Denali

2012 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 741
Acuity$ 741
American Family$ 855
American Family$ 855
Country$ 724
Country$ 724
Erie$ 562
Erie$ 562
GEICO$ 431
GEICO$ 431
Nationwide$ 769
Nationwide$ 769
Progressive$ 620
Progressive$ 620
State Farm$ 520
State Farm$ 520
Tennessee Farmers$ 651
Tennessee Farmers$ 651
Texas Farm Bureau$ 750
Texas Farm Bureau$ 750
USAA$ 656
USAA$ 656
Vermont Mutual$ 649
Vermont Mutual$ 649

Compare all 2012 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 712

List Price

$ 30060

Trims Available

Work Truck - SLE - SLT - Denali

2011 GMC Sierra 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 910
Allstate$ 910
American Family$ 880
American Family$ 880
Country$ 787
Country$ 787
Erie$ 515
Erie$ 515
GEICO$ 444
GEICO$ 444
Nationwide$ 823
Nationwide$ 823
Progressive$ 726
Progressive$ 726
State Farm$ 547
State Farm$ 547
Tennessee Farmers$ 725
Tennessee Farmers$ 725
Texas Farm Bureau$ 736
Texas Farm Bureau$ 736
USAA$ 641
USAA$ 641
Vermont Mutual$ 708
Vermont Mutual$ 708

Compare all 2011 GMC Sierra 3500HD rates

Average Cost to Insure Per Year

$ 751

List Price

$ 29255

Trims Available

Work Truck - SLE - SLT - Denali