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 insurance rates for a Chevrolet Silverado 2500HD are $1,240 a year for full coverage. Comprehensive insurance costs an estimated $206, collision costs $314, and liability is $540. A liability-only policy costs around $592 a year, with high-risk insurance costing $2,678 or more. Teen drivers receive the highest rates at $4,936 a year or more.
Average premium for full coverage: $1,240
Rate estimates broken down by individual coverage type:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Silverado 2500HD models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $592 for just liability insurance to the much higher price of $2,678 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The example below illustrates the effect of geographic area on insurance prices.
These examples show why everyone should compare rates quotes for a targeted area, instead of making a decision based on price 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 Details
The chart below shows estimated Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $741
- Raising to $1,000 deductibles will save approximately $118 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,240
- Choosing pricier low deductibles will cost an additional $228 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,678 or more
- The cost that insures a 16-year-old driver for full coverage can cost as much as $4,936
Insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on the model of your Silverado 2500HD, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be 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 from 43% to 135% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Silverado 2500HD insurance prices. A middle-age driver might find rates as low as $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,770 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $350 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Cheap Chevrolet Silverado 2500HD Insurance
Saving money on insurance for a Chevrolet Silverado 2500HD consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Shop around at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief summary of the concepts that were covered in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,440 more annually to insure their Silverado 2500HD
- Teen drivers are charged the highest rates, costing as high as $411 per month if full coverage is included
- Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $350 each year
- Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,362 |
| $500 | $1,240 |
| $1,000 | $1,122 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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