GMC Sierra 3500HD Costs

GMC Sierra 3500HD Costs of Ownership

The average cost of owning a GMC Sierra 3500HD for 5 years is $79,432. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

GMC Sierra 3500HD Depreciation

A GMC Sierra 3500HD will depreciate in value by $42,043 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped GMC Sierra 3500HD sells for $73,760 on average. After 5 years of depreciation, the average residual value will be $31,717. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower.Trade-in and private sale prices will likely be lower. Use our GMC Sierra 3500HD Depreciation Calculator to see how model year and mileage will affect your resale value.

GMC Sierra 3500HD Depreciation Calculator

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GMC Sierra 3500HD Insurance

The average annual cost for auto insurance for a GMC Sierra 3500HD is $1,930, which adds up to $9,650 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our GMC Sierra 3500HD Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

GMC Sierra 3500HD insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

GMC Sierra 3500HD Maintenance

Maintenance and repair costs for a GMC Sierra 3500HD will amount to $3,791 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our GMC Sierra 3500HD Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

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GMC Sierra 3500HD Financing Costs

The average cost to finance a new GMC Sierra 3500HD would be $8,638 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment. If you don't know your credit score, or haven't checked in a while, it's completely free on Credit Karma.

Our GMC Sierra 3500HD Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

GMC Sierra 3500HD Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

GMC Sierra 3500HD Fuel Economy

A GMC Sierra 3500HD gets an average of 14 MPG, which will cost a total of $15,310 for fuel after 5 years, or about $3,062 annually. These estimates are based on recently collected national average fuel prices, assuming 13,500 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the GMC Sierra 3500HD models and engines below for our estimates:

GMC Sierra 3500HD MPG

Model Powertrain MPG (combined) City Hwy
Sierra 3500 HD 8cyl, 6.6L, Auto(S6) 14 11 17