Chevrolet Silverado 2500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Chevrolet Silverado 2500HD are $1,270 a year for full coverage insurance. Comprehensive insurance costs an estimated $210, collision costs $346, and liability insurance is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,752 or more. 16-year-old drivers receive the highest rates at $5,044 a year or more.
Average premium for full coverage: $1,270
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Silverado 2500HD models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $588 for just liability coverage to the much higher price of $2,752 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.
The example below illustrates the effect of geographic area on insurance prices.
These examples illustrate why everyone should compare rates quotes for a targeted area and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below illustrates estimated Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.
- The best full coverage rate is $754
- Raising to $1,000 deductibles will save approximately $126 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,270
- Buying pricier low deductibles will cost an extra $244 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,752 or more
- The cost for full coverage for a teen driver for full coverage can cost as much as $5,044
Car insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,000 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Silverado 2500HD insurance rates. A middle-age driver might find rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,720 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,150 | -$120 | -9.4% |
| Alaska | $976 | -$294 | -23.1% |
| Arizona | $1,056 | -$214 | -16.9% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,448 | $178 | 14.0% |
| Colorado | $1,212 | -$58 | -4.6% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,438 | $168 | 13.2% |
| Florida | $1,590 | $320 | 25.2% |
| Georgia | $1,174 | -$96 | -7.6% |
| Hawaii | $912 | -$358 | -28.2% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $946 | -$324 | -25.5% |
| Indiana | $960 | -$310 | -24.4% |
| Iowa | $858 | -$412 | -32.4% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,734 | $464 | 36.5% |
| Louisiana | $1,882 | $612 | 48.2% |
| Maine | $786 | -$484 | -38.1% |
| Maryland | $1,050 | -$220 | -17.3% |
| Massachusetts | $1,014 | -$256 | -20.2% |
| Michigan | $2,206 | $936 | 73.7% |
| Minnesota | $1,064 | -$206 | -16.2% |
| Mississippi | $1,522 | $252 | 19.8% |
| Missouri | $1,128 | -$142 | -11.2% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,002 | -$268 | -21.1% |
| Nevada | $1,526 | $256 | 20.2% |
| New Hampshire | $918 | -$352 | -27.7% |
| New Jersey | $1,424 | $154 | 12.1% |
| New Mexico | $1,124 | -$146 | -11.5% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $734 | -$536 | -42.2% |
| North Dakota | $1,042 | -$228 | -18.0% |
| Ohio | $878 | -$392 | -30.9% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,166 | -$104 | -8.2% |
| Pennsylvania | $1,212 | -$58 | -4.6% |
| Rhode Island | $1,696 | $426 | 33.5% |
| South Carolina | $1,152 | -$118 | -9.3% |
| South Dakota | $1,074 | -$196 | -15.4% |
| Tennessee | $1,112 | -$158 | -12.4% |
| Texas | $1,532 | $262 | 20.6% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $870 | -$400 | -31.5% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $980 | -$290 | -22.8% |
| West Virginia | $1,166 | -$104 | -8.2% |
| Wisconsin | $880 | -$390 | -30.7% |
| Wyoming | $1,132 | -$138 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $370 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,100 extra per year, depending on your age. Chevrolet Silverado 2500HD insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 2WD | $1,238 | $103 |
| LT Crew Cab 4WD | $1,126 | $94 |
| LTZ Crew Cab 4WD | $1,150 | $96 |
| LT Crew Cab Diesel 2WD | $1,286 | $107 |
| LT Extended Cab Diesel 2WD | $1,286 | $107 |
| LTZ Crew Cab 2WD | $1,286 | $107 |
| LT Crew Cab Diesel 4WD | $1,172 | $98 |
| LTZ Crew Cab Diesel 2WD | $1,310 | $109 |
| LTZ Crew Cab Diesel 4WD | $1,196 | $100 |
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 | $362 | $688 | $420 | $1,650 |
| 2023 Chevrolet Silverado 2500HD | $346 | $660 | $440 | $1,626 |
| 2022 Chevrolet Silverado 2500HD | $332 | $656 | $450 | $1,618 |
| 2021 Chevrolet Silverado 2500HD | $320 | $640 | $470 | $1,610 |
| 2019 Chevrolet Silverado 2500HD | $292 | $592 | $500 | $1,564 |
| 2018 Chevrolet Silverado 2500HD | $282 | $548 | $510 | $1,520 |
| 2017 Chevrolet Silverado 2500HD | $270 | $516 | $514 | $1,480 |
| 2016 Chevrolet Silverado 2500HD | $258 | $464 | $520 | $1,422 |
| 2014 Chevrolet Silverado 2500HD | $234 | $400 | $524 | $1,338 |
| 2012 Chevrolet Silverado 2500HD | $210 | $346 | $534 | $1,270 |
| 2010 Chevrolet Silverado 2500HD | $192 | $288 | $534 | $1,194 |
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 Chevrolet Silverado 2500HD Insurance
Saving money on Chevrolet Silverado 2500HD insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
Below is a brief recap of the information covered in the above illustrations.
- It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Teenage drivers have the highest car insurance rates, costing up to $420 per month if full coverage is included
- Increasing deductibles can save around $375 each year
- High-risk drivers who tend to receive serious violations pay on average $1,480 more annually for auto insurance
- Drivers who want higher levels of liability will pay around $590 annually to raise from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,044 |
| 20 | $2,932 |
| 30 | $1,302 |
| 40 | $1,270 |
| 50 | $1,166 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,404 |
| $500 | $1,270 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,291 |
| 100/300 | $1,409 |
| 250/500 | $1,717 |
| 100 CSL | $1,338 |
| 300 CSL | $1,599 |
| 500 CSL | $1,789 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,142 |
| 20 | $4,676 |
| 30 | $2,786 |
| 40 | $2,752 |
| 50 | $2,634 |
| 60 | $2,608 |
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 | $65 |
| Multi-vehicle | $69 |
| Homeowner | $22 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
