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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Average insurance rates for a Chevrolet Silverado 2500HD are $1,194 a year for full coverage insurance. Comprehensive insurance costs approximately $192 each year, collision insurance costs $288, and liability costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs $2,576 or more. Teenage drivers receive the highest rates at up to $4,786 a year.
Average premium for full coverage: $1,194
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Silverado 2500HD models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $588 for basic liability insurance to a high rate of $2,576 for a driver who requires high-risk insurance.
Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
These examples illustrate why all drivers should compare rates using their specific location, instead of using average rates.
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.
Rate Comparisons
The chart below illustrates average Chevrolet Silverado 2500HD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $717
- Drivers who choose higher $1,000 deductibles will pay $110 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,194
- Using low deductibles for comprehensive and collision insurance will cost an additional $208 every year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,576
- The cost that insures a teen driver can cost $4,786 a year
Car insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age
Where you live makes a big difference in Chevrolet Silverado 2500HD insurance prices. A 40-year-old driver could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,610 on average in Florida, 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% |
Using high physical damage deductibles could save up to $320 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find the Best Chevrolet Silverado 2500HD Insurance
Saving money on car insurance not only requires being safe and accident-free, but also having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare prices at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a brief recap of the concepts that were touched on in this article.
- Higher risk drivers who tend to receive serious violations could be charged and average of $1,380 more per year than a low-risk driver
- Youthful drivers pay the highest auto insurance rates, costing up to $399 per month if full coverage is purchased
- It is possible to save around $140 per year just by quoting online in advance
- Increasing deductibles can save approximately $325 each year
- It is possible to save around $140 per year just by quoting online in advance
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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