Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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The average insurance rates for a Chevrolet Silverado 2500HD are $1,240 a year for full coverage. Comprehensive costs approximately $206, collision costs $314, and liability costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing around $2,678. Teens cost the most to insure at $4,936 a year or more.

Average premium for full coverage: $1,240

Policy rates by type of insurance:

Comprehensive $206
Collision $314
Liability $540

Estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Silverado 2500HD trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Chevrolet Silverado 2500HD insurance rates go from the low end price of $592 for just liability insurance to a much higher rate of $2,678 for a driver that may need high-risk insurance.

Liability Only $592
Full Coverage $1,240
High Risk $2,678

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $930
Small Cities $1,302
Large Cities $1,674

The examples above show why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on 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.

More Rate Details

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

  • The cheapest rate after discounts is $741
  • Using higher $1,000 deductibles will save $118 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,240
  • Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,468
  • High-risk insureds with serious driving violations could pay around $2,678 or more
  • Policy cost that insures a 16-year-old driver with full coverage can cost $4,936 or more

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance rates range from $741 to $4,936

Auto insurance rates for a Chevrolet Silverado 2500HD also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be from 43% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Silverado 2500HD insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,770 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 $1,120 -$120 -9.7%
Alaska $952 -$288 -23.2%
Arizona $1,028 -$212 -17.1%
Arkansas $1,240 -$0 0.0%
California $1,412 $172 13.9%
Colorado $1,182 -$58 -4.7%
Connecticut $1,272 $32 2.6%
Delaware $1,402 $162 13.1%
Florida $1,548 $308 24.8%
Georgia $1,144 -$96 -7.7%
Hawaii $890 -$350 -28.2%
Idaho $840 -$400 -32.3%
Illinois $920 -$320 -25.8%
Indiana $934 -$306 -24.7%
Iowa $834 -$406 -32.7%
Kansas $1,174 -$66 -5.3%
Kentucky $1,688 $448 36.1%
Louisiana $1,834 $594 47.9%
Maine $764 -$476 -38.4%
Maryland $1,024 -$216 -17.4%
Massachusetts $990 -$250 -20.2%
Michigan $2,150 $910 73.4%
Minnesota $1,038 -$202 -16.3%
Mississippi $1,484 $244 19.7%
Missouri $1,098 -$142 -11.5%
Montana $1,330 $90 7.3%
Nebraska $978 -$262 -21.1%
Nevada $1,486 $246 19.8%
New Hampshire $892 -$348 -28.1%
New Jersey $1,386 $146 11.8%
New Mexico $1,096 -$144 -11.6%
New York $1,306 $66 5.3%
North Carolina $712 -$528 -42.6%
North Dakota $1,016 -$224 -18.1%
Ohio $854 -$386 -31.1%
Oklahoma $1,270 $30 2.4%
Oregon $1,134 -$106 -8.5%
Pennsylvania $1,180 -$60 -4.8%
Rhode Island $1,654 $414 33.4%
South Carolina $1,122 -$118 -9.5%
South Dakota $1,048 -$192 -15.5%
Tennessee $1,084 -$156 -12.6%
Texas $1,492 $252 20.3%
Utah $916 -$324 -26.1%
Vermont $846 -$394 -31.8%
Virginia $742 -$498 -40.2%
Washington $954 -$286 -23.1%
West Virginia $1,134 -$106 -8.5%
Wisconsin $858 -$382 -30.8%
Wyoming $1,102 -$138 -11.1%

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates will be varied.

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 $1,210 $101
LT Crew Cab 4WD $1,098 $92
LTZ Crew Cab 4WD $1,120 $93
LT Crew Cab Diesel 2WD $1,254 $105
LT Extended Cab Diesel 2WD $1,254 $105
LTZ Crew Cab 2WD $1,254 $105
LT Crew Cab Diesel 4WD $1,142 $95
LTZ Crew Cab Diesel 2WD $1,274 $106
LTZ Crew Cab Diesel 4WD $1,162 $97

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 $346 $660 $440 $1,626
2023 Chevrolet Silverado 2500HD $332 $656 $450 $1,618
2022 Chevrolet Silverado 2500HD $320 $640 $470 $1,610
2021 Chevrolet Silverado 2500HD $310 $612 $486 $1,588
2019 Chevrolet Silverado 2500HD $282 $548 $510 $1,520
2018 Chevrolet Silverado 2500HD $270 $516 $514 $1,480
2017 Chevrolet Silverado 2500HD $258 $464 $520 $1,422
2016 Chevrolet Silverado 2500HD $242 $426 $520 $1,368
2014 Chevrolet Silverado 2500HD $228 $374 $534 $1,316
2012 Chevrolet Silverado 2500HD $206 $314 $540 $1,240
2010 Chevrolet Silverado 2500HD $180 $262 $534 $1,156

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 Low Cost Chevrolet Silverado 2500HD Insurance

Finding cheaper rates on insurance for a Chevrolet Silverado 2500HD requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare rates once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following is a review of the data that was raised in the charts and tables above.

  • Drivers can save around $140 per year simply by shopping early and online
  • Insureds who purchase higher liability limits will pay approximately $590 each year to increase from a 30/60 limit to the 250/500 level
  • Teens have the highest car insurance rates, costing up to $411 each month if the policy includes full coverage
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,440 more per year for Silverado 2500HD insurance

Rates by Driver Age

Chevrolet Silverado 2500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,936
20 $2,848
30 $1,266
40 $1,240
50 $1,136
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,362
$500 $1,240
$1,000 $1,122

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 2500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,240
50/100 $1,258
100/300 $1,377
250/500 $1,688
100 CSL $1,305
300 CSL $1,568
500 CSL $1,760

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado 2500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,976
20 $4,542
30 $2,706
40 $2,678
50 $2,560
60 $2,536

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 $169

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $67
Homeowner $21
5-yr Accident Free $79
5-yr Claim Free $79
Paid in Full/EFT $48
Advance Quote $56
Online Quote $85
Total Discounts $499
Rate after discounts $741

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

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