Chevrolet Silverado 2500HD Insurance Rates
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UPDATED: May 14, 2024
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The average insurance rates for a Chevrolet Silverado 2500HD are $1,270 a year with full coverage. Comprehensive insurance costs approximately $210 each year, collision costs $346, and liability insurance costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing $2,752 or more. Teens cost the most to insure at $5,044 a year or more.
Average premium for full coverage: $1,270
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Silverado 2500HD models.
Price Range Variability
For the average driver, Chevrolet Silverado 2500HD insurance rates go from the low end price of $588 for your basic liability-only policy to a high rate of $2,752 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance prices.
The examples above demonstrate why all drivers should compare prices using their specific location, rather than relying on averaged prices.
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 Information
The chart below details estimated Chevrolet Silverado 2500HD insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $754
- Using higher $1,000 deductibles will save $126 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,270
- Selecting low deductibles for physical damage coverage will cost an additional $244 a year
- Drivers with serious driving violations could pay around $2,752 or more
- Policy cost that insures a teen driver can cost $5,044 or more
Insurance rates for a Chevrolet Silverado 2500HD also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Your home state has a huge impact on Chevrolet Silverado 2500HD insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,720 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,150 | -$120 | -9.4% |
Alaska | $976 | -$294 | -23.1% |
Arizona | $1,056 | -$214 | -16.9% |
Arkansas | $1,270 | -$0 | 0.0% |
California | $1,448 | $178 | 14.0% |
Colorado | $1,212 | -$58 | -4.6% |
Connecticut | $1,306 | $36 | 2.8% |
Delaware | $1,438 | $168 | 13.2% |
Florida | $1,590 | $320 | 25.2% |
Georgia | $1,174 | -$96 | -7.6% |
Hawaii | $912 | -$358 | -28.2% |
Idaho | $860 | -$410 | -32.3% |
Illinois | $946 | -$324 | -25.5% |
Indiana | $960 | -$310 | -24.4% |
Iowa | $858 | -$412 | -32.4% |
Kansas | $1,206 | -$64 | -5.0% |
Kentucky | $1,734 | $464 | 36.5% |
Louisiana | $1,882 | $612 | 48.2% |
Maine | $786 | -$484 | -38.1% |
Maryland | $1,050 | -$220 | -17.3% |
Massachusetts | $1,014 | -$256 | -20.2% |
Michigan | $2,206 | $936 | 73.7% |
Minnesota | $1,064 | -$206 | -16.2% |
Mississippi | $1,522 | $252 | 19.8% |
Missouri | $1,128 | -$142 | -11.2% |
Montana | $1,364 | $94 | 7.4% |
Nebraska | $1,002 | -$268 | -21.1% |
Nevada | $1,526 | $256 | 20.2% |
New Hampshire | $918 | -$352 | -27.7% |
New Jersey | $1,424 | $154 | 12.1% |
New Mexico | $1,124 | -$146 | -11.5% |
New York | $1,338 | $68 | 5.4% |
North Carolina | $734 | -$536 | -42.2% |
North Dakota | $1,042 | -$228 | -18.0% |
Ohio | $878 | -$392 | -30.9% |
Oklahoma | $1,304 | $34 | 2.7% |
Oregon | $1,166 | -$104 | -8.2% |
Pennsylvania | $1,212 | -$58 | -4.6% |
Rhode Island | $1,696 | $426 | 33.5% |
South Carolina | $1,152 | -$118 | -9.3% |
South Dakota | $1,074 | -$196 | -15.4% |
Tennessee | $1,112 | -$158 | -12.4% |
Texas | $1,532 | $262 | 20.6% |
Utah | $940 | -$330 | -26.0% |
Vermont | $870 | -$400 | -31.5% |
Virginia | $760 | -$510 | -40.2% |
Washington | $980 | -$290 | -22.8% |
West Virginia | $1,166 | -$104 | -8.2% |
Wisconsin | $880 | -$390 | -30.7% |
Wyoming | $1,132 | -$138 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
LT Crew Cab 2WD | $1,238 | $103 |
LT Crew Cab 4WD | $1,126 | $94 |
LTZ Crew Cab 4WD | $1,150 | $96 |
LT Crew Cab Diesel 2WD | $1,286 | $107 |
LT Extended Cab Diesel 2WD | $1,286 | $107 |
LTZ Crew Cab 2WD | $1,286 | $107 |
LT Crew Cab Diesel 4WD | $1,172 | $98 |
LTZ Crew Cab Diesel 2WD | $1,310 | $109 |
LTZ Crew Cab Diesel 4WD | $1,196 | $100 |
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 | $362 | $688 | $420 | $1,650 |
2023 Chevrolet Silverado 2500HD | $346 | $660 | $440 | $1,626 |
2022 Chevrolet Silverado 2500HD | $332 | $656 | $450 | $1,618 |
2021 Chevrolet Silverado 2500HD | $320 | $640 | $470 | $1,610 |
2019 Chevrolet Silverado 2500HD | $292 | $592 | $500 | $1,564 |
2018 Chevrolet Silverado 2500HD | $282 | $548 | $510 | $1,520 |
2017 Chevrolet Silverado 2500HD | $270 | $516 | $514 | $1,480 |
2016 Chevrolet Silverado 2500HD | $258 | $464 | $520 | $1,422 |
2014 Chevrolet Silverado 2500HD | $234 | $400 | $524 | $1,338 |
2012 Chevrolet Silverado 2500HD | $210 | $346 | $534 | $1,270 |
2010 Chevrolet Silverado 2500HD | $192 | $288 | $534 | $1,194 |
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 Cheaper Chevrolet Silverado 2500HD Insurance
Finding cheaper rates on Chevrolet Silverado 2500HD insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates at every policy renewal by getting quotes from direct companies, and also from local insurance agencies.
The points below are a condensed summary of the data touched on above.
- Drivers who purchase increased liability limits will pay approximately $590 every year to increase from a 30/60 limit to the 250/500 level
- You may be able to save around $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $375 each year
- Drivers under the age of 20 are expensive to insure, as much as $420 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,044 |
20 | $2,932 |
30 | $1,302 |
40 | $1,270 |
50 | $1,166 |
60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,514 |
$250 | $1,404 |
$500 | $1,270 |
$1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,270 |
50/100 | $1,291 |
100/300 | $1,409 |
250/500 | $1,717 |
100 CSL | $1,338 |
300 CSL | $1,599 |
500 CSL | $1,789 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,142 |
20 | $4,676 |
30 | $2,786 |
40 | $2,752 |
50 | $2,634 |
60 | $2,608 |
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 | $65 |
Multi-vehicle | $69 |
Homeowner | $22 |
5-yr Accident Free | $83 |
5-yr Claim Free | $81 |
Paid in Full/EFT | $50 |
Advance Quote | $59 |
Online Quote | $87 |
Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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