Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,194 a year for full coverage. Comprehensive insurance costs an estimated $192 a year, collision costs $288, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,576 or more. Teenage drivers pay the highest rates at $4,786 a year or more.

Average premium for full coverage: $1,194

Price estimates broken down by individual coverage:

Comprehensive $192
Collision $288
Liability $534

These estimates include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Silverado 2500HD trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Chevrolet Silverado 2500HD insurance prices go from the low end price of $588 for just liability coverage to a high of $2,576 for a driver required to buy high-risk insurance.

Liability Only $588
Full Coverage $1,194
High Risk $2,576

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

Rural Areas $896
Small Cities $1,254
Large Cities $1,612

The ranges above show why it is important to compare rates for a targeted area, instead of using average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below shows estimated Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.

  • The best discount rate is $717
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,084 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,194
  • Using low $100 deductibles for comprehensive and collision insurance will cost an additional $208 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,576 or more
  • The price that insures a teen driver can cost as much as $4,786 a year

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance prices range from $717 to $4,786

Auto insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the trim level of your Silverado 2500HD, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Silverado 2500HD insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,700 on average in New York, Louisiana, and Michigan.

Chevrolet Silverado 2500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$116 -9.7%
Alaska $914 -$280 -23.5%
Arizona $990 -$204 -17.1%
Arkansas $1,194 -$0 0.0%
California $1,360 $166 13.9%
Colorado $1,136 -$58 -4.9%
Connecticut $1,226 $32 2.7%
Delaware $1,350 $156 13.1%
Florida $1,492 $298 25.0%
Georgia $1,102 -$92 -7.7%
Hawaii $856 -$338 -28.3%
Idaho $808 -$386 -32.3%
Illinois $886 -$308 -25.8%
Indiana $900 -$294 -24.6%
Iowa $806 -$388 -32.5%
Kansas $1,134 -$60 -5.0%
Kentucky $1,626 $432 36.2%
Louisiana $1,768 $574 48.1%
Maine $738 -$456 -38.2%
Maryland $986 -$208 -17.4%
Massachusetts $952 -$242 -20.3%
Michigan $2,070 $876 73.4%
Minnesota $998 -$196 -16.4%
Mississippi $1,428 $234 19.6%
Missouri $1,058 -$136 -11.4%
Montana $1,282 $88 7.4%
Nebraska $940 -$254 -21.3%
Nevada $1,434 $240 20.1%
New Hampshire $862 -$332 -27.8%
New Jersey $1,336 $142 11.9%
New Mexico $1,056 -$138 -11.6%
New York $1,256 $62 5.2%
North Carolina $688 -$506 -42.4%
North Dakota $978 -$216 -18.1%
Ohio $822 -$372 -31.2%
Oklahoma $1,224 $30 2.5%
Oregon $1,094 -$100 -8.4%
Pennsylvania $1,136 -$58 -4.9%
Rhode Island $1,590 $396 33.2%
South Carolina $1,082 -$112 -9.4%
South Dakota $1,008 -$186 -15.6%
Tennessee $1,044 -$150 -12.6%
Texas $1,436 $242 20.3%
Utah $882 -$312 -26.1%
Vermont $816 -$378 -31.7%
Virginia $712 -$482 -40.4%
Washington $920 -$274 -22.9%
West Virginia $1,094 -$100 -8.4%
Wisconsin $826 -$368 -30.8%
Wyoming $1,062 -$132 -11.1%

View Chart as Image

Chevrolet Silverado 2500HD insurance rates by U.S. city

Using high physical damage deductibles could save up to $320 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Chevrolet Silverado 2500HD Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
LT Crew Cab 2WD $1,164 $97
LT Crew Cab 4WD $1,056 $88
LTZ Crew Cab 4WD $1,078 $90
LT Crew Cab Diesel 2WD $1,206 $101
LT Extended Cab Diesel 2WD $1,206 $101
LTZ Crew Cab 2WD $1,206 $101
LT Crew Cab Diesel 4WD $1,098 $92
LTZ Crew Cab Diesel 2WD $1,226 $102
LTZ Crew Cab Diesel 4WD $1,118 $93

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Chevrolet Silverado 2500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Chevrolet Silverado 2500HD $332 $656 $450 $1,618
2023 Chevrolet Silverado 2500HD $320 $640 $470 $1,610
2022 Chevrolet Silverado 2500HD $310 $612 $486 $1,588
2021 Chevrolet Silverado 2500HD $292 $592 $500 $1,564
2019 Chevrolet Silverado 2500HD $270 $516 $514 $1,480
2018 Chevrolet Silverado 2500HD $258 $464 $520 $1,422
2017 Chevrolet Silverado 2500HD $242 $426 $520 $1,368
2016 Chevrolet Silverado 2500HD $234 $400 $524 $1,338
2014 Chevrolet Silverado 2500HD $210 $346 $534 $1,270
2012 Chevrolet Silverado 2500HD $192 $288 $534 $1,194
2010 Chevrolet Silverado 2500HD $174 $234 $530 $1,118

Rates are averaged for all Chevrolet Silverado 2500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Chevrolet Silverado 2500HD Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at every policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief summary of the data touched on in the above illustrations.

  • Policyholders who want higher liability limits will pay an extra $590 each year to go from a low limit to the 250/500 level
  • Drivers can save approximately $140 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $325 each year
  • Teens are the costliest to insure, with premiums as much as $399 a month if the policy includes full coverage

Rates by Driver Age

Chevrolet Silverado 2500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,786
20 $2,742
30 $1,216
40 $1,194
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,306
$500 $1,194
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 2500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,194
50/100 $1,213
100/300 $1,331
250/500 $1,639
100 CSL $1,260
300 CSL $1,521
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado 2500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,758
20 $4,372
30 $2,602
40 $2,576
50 $2,464
60 $2,440

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $65
Homeowner $21
5-yr Accident Free $75
5-yr Claim Free $75
Paid in Full/EFT $45
Advance Quote $54
Online Quote $81
Total Discounts $477
Rate after discounts $717

Discounts are estimated and may not be available from every company or in every state.

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