Chevrolet Silverado 2500HD Insurance Rates

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2010 Chevrolet Silverado 2500HD Insurance Quotes in 2025

Looking for the cheapest auto insurance rates for your Chevrolet Silverado 2500HD? Do you get exhausted from scraping the payment together to buy auto insurance? You're in the same situation as many other people. Many insurers vie for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute best price available. It's a good habit to get comparison quotes...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 14, 2024

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Estimated insurance prices for a Chevrolet Silverado 2500HD are $1,240 every 12 months for full coverage. Comprehensive costs an estimated $206, collision insurance costs $314, and liability is $540. A liability-only policy costs around $592 a year, and high-risk insurance costs around $2,678. 16-year-old drivers pay the most at up to $4,936 a year.

Average premium for full coverage: $1,240

Premium estimates broken down by type of coverage:

Comprehensive $206
Collision $314
Liability $540

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 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 the cheapest price of $592 for minimum levels of liability insurance to the much higher price of $2,678 for a high-risk driver policy.

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 insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities. The example below illustrates the difference location can make on insurance prices.

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

These rate differences show why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based 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 Details

The chart below shows average Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.

  • The best full coverage rate is $741
  • Raising to $1,000 deductibles will save approximately $118 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,240
  • Buying pricier low deductibles increases the price to $1,468
  • Drivers with multiple tickets or accidents could pay up to $2,678
  • An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $4,936

View Chart as Image

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

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

Opting for high physical damage deductibles can reduce prices by up to $350 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

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

If you have a few violations or you were responsible for an accident, you could be paying $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 rate. View High Risk Driver Rates

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 $820 a year in states like Iowa, Maine, and Idaho, or 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

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 Shop for Cheap Chevrolet Silverado 2500HD Insurance

Finding better rates on insurance for a Chevrolet Silverado 2500HD consists of being a low-risk driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from several local insurance agents.

The items below are a brief summary of the information touched on in this article.

  • Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date
  • Teen drivers are the costliest to insure, as much as $411 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles could save as much as $350 each year
  • Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,440 more annually to insure their Silverado 2500HD
  • Insureds who want more liability coverage will pay around $590 each year to raise from 30/60 bodily injury limits to a 250/500 level

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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