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...
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UPDATED: May 14, 2024
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Average auto insurance rates for a Chevrolet Silverado 2500HD are $1,194 annually for full coverage. Comprehensive insurance costs on average $192, collision costs $288, and liability insurance costs $534. A policy with just liability insurance costs as little as $588 a year, with coverage for high-risk drivers costing $2,576 or more. Teens receive the highest rates at $4,786 a year or more.
Average premium for full coverage: $1,194
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Silverado 2500HD trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $588 for your basic liability-only policy to a much higher rate of $2,576 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on 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.
More Rate Information
The chart below shows estimated Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $717
- Drivers who choose higher $1,000 deductibles will pay around $110 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,194
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $208 a year
- High risk drivers with serious driving violations could pay upwards of $2,576 or more
- The cost with full coverage for a teen driver with full coverage may cost $4,786 a year
Insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on the trim level of your Silverado 2500HD, your driver profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $320 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Chevrolet Silverado 2500HD insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,700 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every company calculates rates differently, and rates can be significantly different between companies.
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 Buy Low Cost Chevrolet Silverado 2500HD Insurance
Saving money on Chevrolet Silverado 2500HD insurance not only requires having a decent driving record, but also having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following items are a review of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $140 per year simply by shopping early and online
- High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,380 more each year than a driver with a clean driving record
- Increasing deductibles could save up to $325 each year
- 16 to 18-year-old drivers pay higher rates, costing as high as $399 per month if they have 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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