Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance prices for a Chevrolet Silverado 2500HD are $1,194 every 12 months for full coverage insurance. Comprehensive insurance costs around $192 each year, collision costs $288, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance 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 for individual coverage:

Comprehensive $192
Collision $288
Liability $534

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Silverado 2500HD models.

Price Range from Low to High

For a 40-year-old driver, Chevrolet Silverado 2500HD insurance prices go from the cheapest price of $588 for the bare minimum liability coverage to a high rate 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 car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance rates.

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

The ranges above illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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.

Additional Rate Information

The chart below illustrates estimated Chevrolet Silverado 2500HD insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $717
  • Drivers who choose higher $1,000 deductibles will pay about $110 each year
  • The average price for the average middle-age driver using $500 deductibles is $1,194
  • Selecting low deductibles for comprehensive and collision insurance costs an extra $208 every year
  • Higher-risk drivers with serious driving violations could pay at least $2,576 or more
  • The price to insure a teen driver can be $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

Car insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $320 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

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 $780 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,610 on average in Michigan, New York, and Florida.

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

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Every company calculates prices differently, so rate quotes 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 Shop for the Best Chevrolet Silverado 2500HD Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the data illustrated above.

  • Policyholders who may need additional liability coverage will pay approximately $590 annually to go from a low limit to a 250/500 level
  • It is possible to save up to $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save as much as $325 each year
  • 16 to 18-year-old drivers are the costliest to insure, 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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