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 insurance rates for a Chevrolet Silverado 2500HD are $1,194 a year for full coverage. Comprehensive insurance costs an estimated $192 a year, collision insurance costs $288, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs $2,576 or more. 16-year-old drivers pay the highest rates at up to $4,786 a year.
Average premium for full coverage: $1,194
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Silverado 2500HD trim levels.
Price Range from Low to High
For the normal driver, Chevrolet Silverado 2500HD insurance prices range from the low end price of $588 for minimum levels of liability insurance to a high of $2,576 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.
The ranges above show why it is important to compare rates for a targeted area, instead of using 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 $717
- Drivers who choose higher $1,000 deductibles will pay approximately $1,084 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,194
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $208 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,576
- The price that insures a teen driver can cost as much as $4,786 a year
Auto insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the trim level of your Silverado 2500HD, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age
The state you live in makes a big difference in Chevrolet Silverado 2500HD insurance prices. A 40-year-old driver 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% |
Opting for high physical damage deductibles could save up to $320 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
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 Find Cheaper Chevrolet Silverado 2500HD Insurance
Getting lower rates on car insurance not only requires being a good driver, but also maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at least once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a condensed summary of the primary concepts that were presented in the illustrations above.
- Drivers can save approximately $140 per year just by quoting early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,380 more annually than a safer driver
- Increasing physical damage deductibles can save approximately $325 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $399 a month if the policy includes full coverage
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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