Chevrolet Silverado 3500HD Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Apr 25, 2024

Advertiser Disclosure

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.

Estimated auto insurance rates for a Chevrolet Silverado 3500HD are $1,200 annually with full coverage. Comprehensive costs approximately $212, collision insurance costs $274, and liability is $534. Liability-only insurance costs around $588 a year, and high-risk driver insurance costs around $2,580. Teen drivers pay the most at up to $4,768 a year.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Comprehensive $212
Collision $274
Liability $534

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Silverado 3500HD models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Chevrolet Silverado 3500HD range from as cheap as $588 for just liability insurance to the much higher price of $2,580 for a driver that may need high-risk insurance.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These rate differences demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, 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.

More Rate Details

The chart below details average Chevrolet Silverado 3500HD insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $726
  • Raising to $1,000 deductibles will save $110 annually
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,200
  • Choosing pricier low deductibles will cost $1,412
  • At-risk drivers with multiple violations and an at-fault accident could pay around $2,580
  • An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,768

View Chart as Image

Chevrolet Silverado 3500HD insurance cost comparison chart
Column chart showing Chevrolet Silverado 3500HD insurance rates range from $726 to $4,768 for full coverage

Insurance prices for a Chevrolet Silverado 3500HD also have a wide range based on the model of your Silverado 3500HD, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 additional annually, depending on your age. Chevrolet Silverado 3500HD insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $330 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Chevrolet Silverado 3500HD insurance prices. A middle-age driver might find prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,620 on average in New York, Michigan, and Florida.

Chevrolet Silverado 3500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $922 -$278 -23.2%
Arizona $998 -$202 -16.8%
Arkansas $1,200 -$0 0.0%
California $1,370 $170 14.2%
Colorado $1,146 -$54 -4.5%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,504 $304 25.3%
Georgia $1,110 -$90 -7.5%
Hawaii $862 -$338 -28.2%
Idaho $814 -$386 -32.2%
Illinois $892 -$308 -25.7%
Indiana $908 -$292 -24.3%
Iowa $812 -$388 -32.3%
Kansas $1,140 -$60 -5.0%
Kentucky $1,638 $438 36.5%
Louisiana $1,780 $580 48.3%
Maine $744 -$456 -38.0%
Maryland $992 -$208 -17.3%
Massachusetts $960 -$240 -20.0%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,440 $240 20.0%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $948 -$252 -21.0%
Nevada $1,444 $244 20.3%
New Hampshire $868 -$332 -27.7%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,266 $66 5.5%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $828 -$372 -31.0%
Oklahoma $1,232 $32 2.7%
Oregon $1,102 -$98 -8.2%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,602 $402 33.5%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,016 -$184 -15.3%
Tennessee $1,050 -$150 -12.5%
Texas $1,446 $246 20.5%
Utah $890 -$310 -25.8%
Vermont $824 -$376 -31.3%
Virginia $718 -$482 -40.2%
Washington $926 -$274 -22.8%
West Virginia $1,102 -$98 -8.2%
Wisconsin $832 -$368 -30.7%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Chevrolet Silverado 3500HD insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Chevrolet Silverado 3500HD Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
LT Crew Cab 4WD $1,264 $105
LT Extended Cab 4WD $1,264 $105
LT Crew Cab 2WD $1,086 $91
LTZ Crew Cab 2WD $1,106 $92
LT Crew Cab Diesel 2WD $1,126 $94
LTZ Crew Cab Diesel 2WD $1,148 $96

Rates assume 2011 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 3500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Chevrolet Silverado 3500HD $384 $630 $440 $1,634
2023 Chevrolet Silverado 3500HD $370 $626 $450 $1,626
2022 Chevrolet Silverado 3500HD $356 $610 $470 $1,616
2021 Chevrolet Silverado 3500HD $344 $586 $486 $1,596
2020 Chevrolet Silverado 3500HD $326 $564 $500 $1,570
2019 Chevrolet Silverado 3500HD $312 $524 $510 $1,526
2018 Chevrolet Silverado 3500HD $300 $494 $514 $1,488
2017 Chevrolet Silverado 3500HD $288 $442 $520 $1,430
2016 Chevrolet Silverado 3500HD $270 $408 $520 $1,378
2015 Chevrolet Silverado 3500HD $260 $382 $524 $1,346
2014 Chevrolet Silverado 3500HD $254 $356 $534 $1,324
2012 Chevrolet Silverado 3500HD $228 $300 $540 $1,248
2011 Chevrolet Silverado 3500HD $212 $274 $534 $1,200
2010 Chevrolet Silverado 3500HD $200 $250 $534 $1,164

Rates are averaged for all Chevrolet Silverado 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Chevrolet Silverado 3500HD Insurance

Finding better rates on car insurance consists of having a good driving record, having good credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the data that was covered above.

  • You may be able to save around $140 per year just by quoting online well ahead of the renewal date
  • Policyholders who purchase increased levels of liability coverage will pay about $590 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, possibly costing $397 per month if they have full coverage
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,380 more per year to buy Chevrolet Silverado 3500HD insurance

Rates by Driver Age

Chevrolet Silverado 3500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,768
20 $2,736
30 $1,226
40 $1,200
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 3500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,243
100/300 $1,361
250/500 $1,669
100 CSL $1,290
300 CSL $1,551
500 CSL $1,741

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado 3500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,732
20 $4,358
30 $2,604
40 $2,580
50 $2,466
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.

SR-22 Surcharge $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $74
5-yr Claim Free $75
Paid in Full/EFT $44
Advance Quote $53
Online Quote $82
Total Discounts $474
Rate after discounts $726

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles