Chevrolet Silverado 3500HD Insurance Rates

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UPDATED: Apr 25, 2024

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U.S. average auto insurance rates for a Chevrolet Silverado 3500HD are $1,200 annually for full coverage insurance. Comprehensive costs on average $212, collision insurance costs $274, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs around $2,580. Teenage drivers pay the highest rates at up to $4,768 a year.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Comprehensive $212
Collision $274
Liability $534

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Silverado 3500HD models.

Price Range from Low to High

Using a middle-aged driver as an example, Chevrolet Silverado 3500HD insurance prices range from as cheap as $588 for a discount liability-only rate to the much higher price of $2,580 for a high-risk driver policy.

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

Geographic Price Range

Your location can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

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

The ranges above illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on 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.

Rates by State, City, and Model

The chart below illustrates average Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.

  • The best discount rate is $726
  • Drivers who choose higher $1,000 deductibles will pay around $110 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,200
  • Using pricier low deductibles for comprehensive and collision insurance will cost $1,412
  • Drivers who are prone to accidents and violations could pay upwards of $2,580
  • The price with full coverage for a 16-year-old driver for full coverage may cost $4,768 a year

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 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra each year, depending on your age. Chevrolet Silverado 3500HD insurance for high-risk drivers can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $330 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Chevrolet Silverado 3500HD insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, 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

Getting lower rates on insurance for a Chevrolet Silverado 3500HD not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the information touched on in the above illustrations.

  • It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Teenagers pay the highest prices, as much as $397 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles could save up to $325 each year
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,380 more each year for car insurance
  • Insureds who require higher liability limits will pay an extra $590 annually to go from a low limit to higher 250/500 limits

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.

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