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...
Licensed Insurance Agent
UPDATED: May 14, 2024
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Estimated auto insurance rates for a Chevrolet Silverado 2500HD are $1,194 annually including full coverage. Comprehensive insurance costs approximately $192, collision insurance costs $288, and liability insurance costs around $534. A liability-only policy costs as low as $588 a year, and high-risk insurance costs $2,576 or more. 16-year-old drivers pay the most at up to $4,786 a year.
Average premium for full coverage: $1,194
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Silverado 2500HD models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Chevrolet Silverado 2500HD range from as cheap as $588 for a discount liability-only rate to the much higher price of $2,576 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The example below illustrates how location impacts auto insurance prices.
These rate differences highlight why everyone should compare prices using their specific location 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.
Rates by State, City, and Model
The chart below breaks down average Chevrolet Silverado 2500HD insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $717
- Using higher $1,000 deductibles will save $110 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,194
- Buying pricier low deductibles for physical damage coverage costs an additional $208 a year
- Drivers with multiple tickets or accidents could pay around $2,576
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,786 or more
Auto insurance prices for a Chevrolet Silverado 2500HD also have a wide range based on the model of your Silverado 2500HD, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. Chevrolet Silverado 2500HD insurance for high-risk drivers can be anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $320 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Chevrolet Silverado 2500HD insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,700 on average in Louisiana, New York, and Michigan.
| 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% |
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 the Best Chevrolet Silverado 2500HD Insurance
Finding better rates on Chevrolet Silverado 2500HD insurance requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and possibly higher deductibles. Spend time shopping around every year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The list below is a brief recap of the coverage data touched on above.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $325 each year
- Teenagers have the highest car insurance prices, with the cost nearing $399 per month if full coverage is included
- High-risk drivers who tend to receive serious violations may have to pay on average $1,380 more per year for car insurance
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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