Chevrolet Silverado 2500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,240 a year including full coverage. Comprehensive costs on average $206 a year, collision costs $314, and liability costs $540. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing around $2,678. Teen drivers pay the highest rates at $4,936 a year or more.
Average premium for full coverage: $1,240
Price estimates by individual coverage:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Silverado 2500HD trim levels.
Price Range from Low to High
For a 40-year-old driver, Chevrolet Silverado 2500HD insurance prices go from as low as $592 for just liability coverage to a high of $2,678 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how your location can change car insurance rates.
The ranges above highlight why it is important to compare rates based on a specific location and risk profile, instead of using 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.
Detailed Rate Analysis
The chart below breaks down estimated Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $741
- Drivers who choose higher $1,000 deductibles will pay around $1,122 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,240
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,468
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,678 or more
- The price for full coverage for a teen driver may cost $4,936 a year
Car insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on your driving record, the model of your Silverado 2500HD, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age
The state you live in makes a big difference in Chevrolet Silverado 2500HD insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,770 on average in Michigan, New York, and Louisiana.
| 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 could save up to $350 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 135% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different from one company to the next.
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 Low Cost Chevrolet Silverado 2500HD Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a review of the primary concepts that were illustrated above.
- You may be able to save as much as $140 per year simply by quoting early and online
- Higher risk drivers who have several accidents or serious violations may pay on average $1,440 more each year than a safer driver
- Increasing physical damage deductibles can save around $350 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $411 a month if full coverage is included
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
