Chevrolet Silverado 3500HD 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: Apr 25, 2024

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Estimated insurance rates for a Chevrolet Silverado 3500HD are $1,248 a year including full coverage. Comprehensive insurance costs an estimated $228 a year, collision insurance costs $300, and liability insurance costs $540. A policy with only liability insurance costs as little as $592 a year, and a high-risk policy costs $2,680 or more. Teens pay the most at up to $4,916 a year.

Average premium for full coverage: $1,248

Premium estimates broken down by type of coverage:

Comprehensive $228
Collision $300
Liability $540

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Silverado 3500HD trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Chevrolet Silverado 3500HD range from as low as $592 for just liability insurance to a high of $2,680 for a driver who has had serious violations or accidents.

Liability Only $592
Full Coverage $1,248
High Risk $2,680

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences highlight why it is important to compare rates for a targeted area and risk profile, rather than relying on 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.

More Rate Details

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

  • The cheapest rate after discounts is $752
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,128 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,248
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $230 a year
  • High risk drivers with serious driving violations could pay up to $2,680
  • An auto insurance policy for full coverage for a teen driver can cost as much as $4,916 a year

View Chart as Image

Chevrolet Silverado 3500HD insurance cost comparison chart
Column chart showing Chevrolet Silverado 3500HD insurance prices range from $752 to $4,916 for full coverage

Car insurance prices for a Chevrolet Silverado 3500HD also have a wide range based on your driving characteristics, the model of your Silverado 3500HD, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Silverado 3500HD insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,780 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 $1,128 -$120 -9.6%
Alaska $958 -$290 -23.2%
Arizona $1,038 -$210 -16.8%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,190 -$58 -4.6%
Connecticut $1,280 $32 2.6%
Delaware $1,412 $164 13.1%
Florida $1,562 $314 25.2%
Georgia $1,154 -$94 -7.5%
Hawaii $896 -$352 -28.2%
Idaho $846 -$402 -32.2%
Illinois $928 -$320 -25.6%
Indiana $940 -$308 -24.7%
Iowa $840 -$408 -32.7%
Kansas $1,184 -$64 -5.1%
Kentucky $1,702 $454 36.4%
Louisiana $1,846 $598 47.9%
Maine $770 -$478 -38.3%
Maryland $1,030 -$218 -17.5%
Massachusetts $996 -$252 -20.2%
Michigan $2,166 $918 73.6%
Minnesota $1,046 -$202 -16.2%
Mississippi $1,496 $248 19.9%
Missouri $1,104 -$144 -11.5%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,496 $248 19.9%
New Hampshire $898 -$350 -28.0%
New Jersey $1,396 $148 11.9%
New Mexico $1,104 -$144 -11.5%
New York $1,314 $66 5.3%
North Carolina $718 -$530 -42.5%
North Dakota $1,024 -$224 -17.9%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,144 -$104 -8.3%
Pennsylvania $1,188 -$60 -4.8%
Rhode Island $1,664 $416 33.3%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,090 -$158 -12.7%
Texas $1,504 $256 20.5%
Utah $924 -$324 -26.0%
Vermont $854 -$394 -31.6%
Virginia $746 -$502 -40.2%
Washington $962 -$286 -22.9%
West Virginia $1,144 -$104 -8.3%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $350 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

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 $1,308 $109
LT Extended Cab 4WD $1,308 $109
LT Crew Cab 2WD $1,128 $94
LTZ Crew Cab 2WD $1,150 $96
LT Crew Cab Diesel 2WD $1,172 $98
LTZ Crew Cab Diesel 2WD $1,194 $100

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 $404 $656 $420 $1,660
2023 Chevrolet Silverado 3500HD $384 $630 $440 $1,634
2022 Chevrolet Silverado 3500HD $370 $626 $450 $1,626
2021 Chevrolet Silverado 3500HD $356 $610 $470 $1,616
2020 Chevrolet Silverado 3500HD $344 $586 $486 $1,596
2019 Chevrolet Silverado 3500HD $326 $564 $500 $1,570
2018 Chevrolet Silverado 3500HD $312 $524 $510 $1,526
2017 Chevrolet Silverado 3500HD $300 $494 $514 $1,488
2016 Chevrolet Silverado 3500HD $288 $442 $520 $1,430
2015 Chevrolet Silverado 3500HD $270 $408 $520 $1,378
2014 Chevrolet Silverado 3500HD $260 $382 $524 $1,346
2012 Chevrolet Silverado 3500HD $234 $330 $534 $1,278
2011 Chevrolet Silverado 3500HD $228 $300 $540 $1,248
2010 Chevrolet Silverado 3500HD $212 $274 $534 $1,200

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 the Best Chevrolet Silverado 3500HD Insurance

Finding better rates on Chevrolet Silverado 3500HD insurance not only requires having a good driving record, but also having above-average credit, refrain from filing small claims, and possibly higher deductibles. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the ideas that were presented in the illustrations above.

  • Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $410 per month if full coverage is included
  • High-risk drivers who tend to receive serious violations may pay on average $1,430 more annually to buy Chevrolet Silverado 3500HD insurance
  • Increasing policy deductibles can save around $350 each year
  • You may be able to save approximately $140 per year just by quoting early and online

Rates by Driver Age

Chevrolet Silverado 3500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,916
20 $2,840
30 $1,276
40 $1,248
50 $1,144
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,374
$500 $1,248
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 3500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,290
100/300 $1,409
250/500 $1,720
100 CSL $1,337
300 CSL $1,600
500 CSL $1,792

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado 3500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,946
20 $4,526
30 $2,710
40 $2,680
50 $2,560
60 $2,534

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $21
5-yr Accident Free $78
5-yr Claim Free $79
Paid in Full/EFT $47
Advance Quote $56
Online Quote $85
Total Discounts $496
Rate after discounts $752

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

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