Chevrolet Silverado 2500HD Insurance Rates

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

Average premium for full coverage: $1,194

Price estimates by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Silverado 2500HD trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Chevrolet Silverado 2500HD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $717
• Drivers who choose higher $1,000 deductibles will pay $110 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,194
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $208 every year
• Higher-risk drivers with serious driving violations could pay around $2,576 or more
• The price that insures a teen driver with full coverage can cost $4,786 a year

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Insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents 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 should be prepared to pay in the ballpark of $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 $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,700 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $320 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see which company has the best price. Every company calculates prices differently, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Right Chevrolet Silverado 2500HD Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Compare rates at least once a year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a quick rundown of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $140 per year simply by shopping early and online
• Higher risk drivers with reckless driving or DUI convictions will likely pay on average $1,380 more per year than a safer driver
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $399 a month if comprehensive and collision insurance is included