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 including full coverage. Comprehensive insurance costs an estimated $212 a year, collision costs $274, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing $2,580 or more. Teenage drivers pay the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Price estimates broken down by individual coverage:

Comprehensive $212
Collision $274
Liability $534

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Silverado 3500HD trim levels.

Price Range from Low to High

For the average 40-year-old driver, Chevrolet Silverado 3500HD insurance prices go from as cheap as $588 for your basic liability-only policy to a high of $2,580 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

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

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

The ranges above highlight why it is important to compare rates quotes for a targeted area 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.

More Rate Information

The chart below breaks down estimated Chevrolet Silverado 3500HD insurance rates for other coverage scenarios.

  • The best discount rate is $726
  • Raising to $1,000 deductibles will save approximately $1,090 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,200
  • Using low $100 deductibles costs an additional $212 annually
  • Drivers who are prone to accidents and violations could pay up to $2,580 or more
  • The price with full coverage for a 16-year-old driver can cost as much as $4,768

View Chart as Image

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

Insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $330 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Chevrolet Silverado 3500HD insurance prices. A middle-age driver might find prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, New York, and Michigan.

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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.

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 the Right Chevrolet Silverado 3500HD Insurance

Getting lower rates on insurance for a Chevrolet Silverado 3500HD consists of not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick rundown of the ideas that were touched on in this article.

  • Teens are expensive to insure, possibly costing $397 a month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,380 more annually for Silverado 3500HD insurance
  • Increasing physical damage deductibles could save up to $325 each year
  • You may be able to save approximately $140 per year simply by quoting early and online

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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