Chevrolet Silverado 2500HD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 14, 2024

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The average insurance rates for a Chevrolet Silverado 2500HD are $1,270 a year for full coverage insurance. Comprehensive costs approximately $210 a year, collision costs $346, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,752. 16-year-old drivers 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:

Comprehensive $210
Collision $346
Liability $534

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Silverado 2500HD trim levels.

Price Range Variability

For the average 40-year-old driver, Chevrolet Silverado 2500HD insurance rates go from the low end price of $588 for a discount liability-only rate to a high of $2,752 for a driver required to buy high-risk insurance.

Liability Only $588
Full Coverage $1,270
High Risk $2,752

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

The examples above illustrate why it is important to compare prices using their specific location, 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 illustrates estimated Chevrolet Silverado 2500HD insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $754
  • Using higher $1,000 deductibles will save $1,144 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,270
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,514
  • Drivers with multiple tickets or accidents could pay around $2,752 or more
  • Policy cost that insures a teen driver can cost $5,044 or more

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance rates range from $754 to $5,044

Insurance rates for a Chevrolet Silverado 2500HD also range considerably based on the trim level of your Silverado 2500HD, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared 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 $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,720 on average in Florida, New York, and Michigan.

Chevrolet Silverado 2500HD Insurance Rates by State
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%

View Chart as Image

Chevrolet Silverado 2500HD insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $370 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Chevrolet Silverado 2500HD Insurance Rates by Model and Trim Level
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.

Chevrolet Silverado 2500HD Insurance Rates by Model Year
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 the Best Cheap Chevrolet Silverado 2500HD Insurance

Finding cheaper rates on Chevrolet Silverado 2500HD insurance requires being a good driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at every policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a quick review of the data touched on in this article.

  • Drivers who purchase an increased level of liability coverage will pay around $590 annually to increase from a 30/60 limit to the 250/500 level
  • It is possible to save around $150 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $375 each year
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $420 each month if comprehensive and collision insurance is included

Rates by Driver Age

Chevrolet Silverado 2500HD Insurance 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

Chevrolet Silverado 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,514
$250 $1,404
$500 $1,270
$1,000 $1,144

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 2500HD Insurance Rates with Different Liability Limits
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

Chevrolet Silverado 2500HD Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $754

Discounts are estimated and may not be available from every company or in every state.

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