Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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Average insurance rates for a Chevrolet Silverado 2500HD are $1,194 a year including full coverage. Comprehensive costs around $192 a year, collision costs $288, and liability insurance is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers costing around $2,576. 16-year-old drivers receive the highest rates at $4,786 a year or more.

Average premium for full coverage: $1,194

Rate estimates for individual coverage type:

Comprehensive $192
Collision $288
Liability $534

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Silverado 2500HD trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $588 for your basic liability-only policy to a high of $2,576 for a policy for a high-risk driver.

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

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance rates.

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

These examples highlight why it is important to compare rates quotes for a specific zip code, 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.

More Rate Information

The chart below breaks down estimated Chevrolet Silverado 2500HD insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $717
  • Raising to $1,000 deductibles will save about $1,084 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,194
  • Buying low $100 deductibles bumps up the cost to $1,402
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,576 or more
  • The cost that insures a teen driver can be $4,786

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance rates range from $717 to $4,786

Insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on the trim level of your Silverado 2500HD, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,700 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 $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,700 on average in Michigan, New York, and Louisiana.

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

Opting for high physical damage deductibles can reduce rates by up to $320 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.

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 Cheapest Chevrolet Silverado 2500HD Insurance

Saving money on Chevrolet Silverado 2500HD insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a recap of the coverage data touched on in the above illustrations.

  • You may be able to save up to $140 per year simply by quoting early and online
  • Increasing deductibles can save approximately $325 each year
  • Teen drivers are charged the highest rates, as much as $399 per month if comprehensive and collision insurance is included
  • High-risk drivers that have major violations or accidents may have to pay on average $1,380 more every year to insure their Silverado 2500HD

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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