Chevrolet Silverado 3500HD 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...
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UPDATED: Apr 25, 2024
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U.S. average insurance rates for a Chevrolet Silverado 3500HD are $1,200 a year for full coverage insurance. Comprehensive insurance costs approximately $212, collision insurance costs $274, and liability costs around $534. Liability-only insurance costs as low as $588 a year, and high-risk driver insurance costs $2,580 or more. Teens pay the highest rates at up to $4,768 a year.
Average premium for full coverage: $1,200
Price estimates by individual coverage:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Silverado 3500HD trim levels.
Price Range from Low to High
For a driver in their 40's, Chevrolet Silverado 3500HD insurance prices range from the low end price of $588 for just liability coverage to a much higher rate of $2,580 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using 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.
Detailed Rate Analysis
The chart below illustrates average Chevrolet Silverado 3500HD insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $726
- Using higher $1,000 deductibles will save $110 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,200
- Selecting more expensive low deductibles for physical damage coverage will cost an additional $212 every year
- Drivers with serious driving violations could pay around $2,580
- The price that insures a teen driver with full coverage can cost $4,768 or more
Car insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be as much as 42% to 130% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age
The state you live in has a huge impact on Chevrolet Silverado 3500HD insurance prices. A driver around age 40 might see prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $330 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by 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 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.
| 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 Find Cheap Chevrolet Silverado 3500HD Insurance
Getting lower rates on car insurance requires having a good driving record, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The next list is a brief summary of the data covered in the charts and tables above.
- Policyholders who purchase increased levels of liability coverage will pay approximately $590 annually to increase from a low limit to the 250/500 level
- It is possible to save around $140 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $325 each year
- Drivers age 20 and younger pay the highest auto insurance prices, as much as $397 a month if full coverage is purchased
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,316 |
| $500 | $1,200 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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