Chevrolet Silverado 2500HD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 14, 2024

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Average auto insurance rates for a Chevrolet Silverado 2500HD are $1,240 annually with full coverage. Comprehensive costs around $206, collision costs $314, and liability insurance costs around $540. Liability-only coverage costs as low as $592 a year, with high-risk coverage costing around $2,678. 16-year-old drivers receive the highest rates at $4,936 a year or more.

Average premium for full coverage: $1,240

Rate estimates for individual coverage type:

Comprehensive $206
Collision $314
Liability $540

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Silverado 2500HD trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $592 for minimum levels of liability insurance to a much higher rate of $2,678 for a high-risk insurance policy.

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

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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.

Additional Rate Details

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

  • The best full coverage rate is $741
  • Using higher $1,000 deductibles will save about $118 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,240
  • Buying more expensive low deductibles for physical damage coverage will cost $1,468
  • Drivers with multiple tickets or accidents could pay at least $2,678 or more
  • The cost with full coverage for a teen driver with full coverage can be $4,936 or more

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance rates range from $741 to $4,936

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $350 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Chevrolet Silverado 2500HD insurance rates. A driver around age 40 might see rates 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

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.

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 Buy More Affordable Chevrolet Silverado 2500HD Insurance

Saving money on Chevrolet Silverado 2500HD insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a summary of the car insurance concepts presented in the illustrations above.

  • High-risk drivers who have multiple accidents or major violations may pay on average $1,440 more every year than a low-risk driver
  • You may be able to save up to $140 per year simply by shopping early and online
  • Increasing deductibles could save up to $350 each year
  • Drivers who may need more liability protection will pay around $590 every year to increase from a minimum limit to higher 250/500 limits

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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