Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,194 a year with full coverage. Comprehensive insurance costs an estimated $192 each year, collision costs $288, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage 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 broken down by individual coverage:

Comprehensive $192
Collision $288
Liability $534

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Silverado 2500HD models.

Price Range from Low to High

Using a 40-year-old driver as an example, Chevrolet Silverado 2500HD insurance prices go from as low as $588 for basic liability insurance to a high rate of $2,576 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $1,194
High Risk $2,576

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

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

The ranges above demonstrate why all drivers should get quotes for a targeted area and risk profile, rather than 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.

Rate Comparisons

The chart below details estimated Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $717
  • Choosing higher $1,000 deductibles can save approximately $110 annually
  • The average rate for the average middle-age driver who has $500 deductibles is $1,194
  • Selecting low deductibles for comp and collision coverage will cost an extra $208 each year
  • Drivers with serious driving violations could pay up to $2,576 or more
  • The price for full coverage for a teenage driver can cost as much as $4,786 each 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

Auto insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age

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 $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,610 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 $1,078 -$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

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

If you have some driving violations or tend to cause accidents, you may be forking out $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 130% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite different from one company to the next.

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 Find the Best Cheap Chevrolet Silverado 2500HD Insurance

Getting lower rates on auto insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a quick review of the ideas that were raised in the charts and tables above.

  • 16 to 18-year-old drivers are the costliest to insure, costing up to $399 a month if they have full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,380 more annually than a driver with a clean driving record
  • Increasing physical damage deductibles can save around $325 each year
  • You may be able to save approximately $140 per year simply by quoting online in advance

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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