Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance rates for a Chevrolet Silverado 2500HD are $1,240 a year with full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $314, and liability is $540. A liability-only policy costs around $592 a year, and high-risk insurance costs $2,678 or more. Teens pay the most at up to $4,936 a year.

Average premium for full coverage: $1,240

Premium estimates by type of coverage:

Comprehensive $206
Collision $314
Liability $540

Prices are based on $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Silverado 2500HD models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Chevrolet Silverado 2500HD range from as low as $592 for a discount liability-only rate to the much higher price of $2,678 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

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

These rate differences demonstrate why everyone should compare rates quotes using their specific location and risk profile, 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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $741
  • Raising to $1,000 deductibles will save $118 annually
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,240
  • Selecting pricier low deductibles will cost an extra $228 annually
  • Drivers with serious driving violations could pay around $2,678
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $4,936

View Chart as Image

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

Auto insurance prices for a Chevrolet Silverado 2500HD also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Chevrolet Silverado 2500HD insurance prices. A middle-age driver might find prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,670 on average in New York, Michigan, and Florida.

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 can reduce prices by up to $350 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Chevrolet Silverado 2500HD insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

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 Affordable Chevrolet Silverado 2500HD Insurance

Finding better rates on insurance for a Chevrolet Silverado 2500HD consists of not taking risks behind the wheel, having good credit, being claim-free, and possibly higher deductibles. Make time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief review of the data that was touched on in this article.

  • You may be able to save around $140 per year just by quoting online well ahead of the renewal date
  • Insureds who purchase higher liability limits will pay approximately $590 every year to raise from 30/60 bodily injury limits to 250/500 limits
  • Teens have the highest car insurance prices, possibly costing $411 per month if they have full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions 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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