Chevrolet Silverado 2500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 14, 2024
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U.S. average auto insurance rates for a Chevrolet Silverado 2500HD are $1,194 annually for full coverage. Comprehensive insurance costs an estimated $192, collision costs $288, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,576 or more. 16-year-old 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:
Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different 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 as cheap as $588 for just the minimum liability insurance to a much higher rate of $2,576 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations have fewer accident claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.
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 Analysis
The chart below shows estimated Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.
- The best full coverage rate is $717
- Choosing higher $1,000 deductibles can save approximately $110 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,194
- Buying more expensive low deductibles for comp and collision coverage costs an additional $208 a year
- High-risk insureds with multiple tickets or accidents could pay up to $2,576 or more
- The price with full coverage for a teen driver with full coverage can cost as much as $4,786 each year
Insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $320 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Chevrolet Silverado 2500HD insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,700 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheaper Chevrolet Silverado 2500HD Insurance
Getting lower rates on Chevrolet Silverado 2500HD insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a condensed summary of the concepts that were touched on in the above illustrations.
- High-risk drivers with multiple at-fault accidents may pay on average $1,380 more annually for auto insurance
- Teenage drivers are expensive to insure, with premiums as much as $399 a month if they have full coverage
- Drivers can save approximately $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $325 each year
- Drivers can save approximately $140 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,402 |
| $250 | $1,306 |
| $500 | $1,194 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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