Chevrolet Silverado 3500HD Insurance Rates
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UPDATED: Apr 25, 2024
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Estimated auto insurance rates for a Chevrolet Silverado 3500HD are $1,248 annually for full coverage insurance. Comprehensive insurance costs on average $228 each year, collision costs $300, and liability insurance costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $2,680 or more. 16-year-old drivers pay the most at $4,916 a year or more.
Average premium for full coverage: $1,248
Premium estimates by type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Silverado 3500HD models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chevrolet Silverado 3500HD go from as cheap as $592 for a discount liability-only rate to a high rate of $2,680 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.
The graphic below illustrates how location helps determine car insurance rates.
These rate differences illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on rate 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.
Rates by State, City, and Model
The chart below illustrates estimated Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $752
- Using higher $1,000 deductibles will save around $120 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,248
- Buying low deductibles for physical damage coverage costs an additional $230 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,680 or more
- An auto insurance policy with full coverage for a teen driver may cost $4,916 or more
Insurance prices for a Chevrolet Silverado 3500HD also have a wide range based on the model of your Silverado 3500HD, your risk profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 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 upwards of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $350 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Chevrolet Silverado 3500HD insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,690 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheaper Chevrolet Silverado 3500HD Insurance
Finding better rates on Chevrolet Silverado 3500HD insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by quoting rates from direct insurance companies, and also from local exclusive and independent agents.
Below is a condensed summary of the concepts that were covered in the charts and tables above.
- High-risk drivers with multiple at-fault accidents may pay on average $1,430 more each year for auto insurance
- Teenage drivers pay higher prices, with premiums being up to $410 per month if they have full coverage
- It is possible to save as much as $140 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $350 each year
- It is possible to save as much as $140 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,374 |
| $500 | $1,248 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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