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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U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,240 a year with full coverage. Comprehensive insurance costs on average $206 each year, collision costs $314, and liability is estimated at $540. Buying just liability costs approximately $592 a year, with insurance for high-risk drivers costing $2,678 or more. 16-year-old drivers pay the highest rates at $4,936 a year or more.

Average premium for full coverage: $1,240

Price estimates by individual coverage:

Comprehensive $206
Collision $314
Liability $540

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Silverado 2500HD models.

Price Range from Low to High

For a 40-year-old driver, Chevrolet Silverado 2500HD insurance prices go from as low as $592 for just the minimum liability insurance to a high rate of $2,678 for a policy for a high-risk driver.

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

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.

The graphic below illustrates how your location can change car insurance rates.

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

The ranges above demonstrate why all drivers should get quotes based on a specific location and risk profile, 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 Analysis

The chart below details estimated Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $741
  • Choosing higher $1,000 deductibles can save around $118 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,240
  • Buying low deductibles for comp and collision coverage will cost an extra $228 annually
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,678 or more
  • The price for full coverage for a 16-year-old driver may cost $4,936 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 $741 to $4,936

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chevrolet Silverado 2500HD insurance prices. A good driver about age 40 could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,670 on average in Florida, Michigan, and New York.

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

Opting for high physical damage deductibles can save as much as $350 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and 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 $1,210 $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 the Best Cheap Chevrolet Silverado 2500HD Insurance

Getting lower rates on insurance for a Chevrolet Silverado 2500HD takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every year by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a quick review of the coverage data illustrated above.

  • You may be able to save as much as $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $350 each year
  • Drivers age 20 and younger pay higher prices, costing up to $411 a month including comprehensive and collision insurance
  • Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,440 more each year to buy Chevrolet 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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