Chevrolet Silverado 3500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Chevrolet Silverado 3500HD are $1,200 a year with full coverage. Comprehensive costs around $212, collision insurance costs $274, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance 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 for individual coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Silverado 3500HD models.
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 the minimum liability insurance to the much higher price of $2,580 for high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.
The ranges above demonstrate why everyone should compare rates for a specific zip code, instead of using 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.
Additional Rate Analysis
The chart below details average Chevrolet Silverado 3500HD insurance rates for additional coverage choices and driver risks.
- The best discount rate is $726
- Drivers who choose higher $1,000 deductibles will pay about $110 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,200
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,412
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,580
- The price that insures a teen driver for full coverage can be $4,768 a year
Insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on the model of your Silverado 3500HD, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,400 to $2,000 additional each year, depending on your age. Chevrolet Silverado 3500HD insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age
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 $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.
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% |
Using high physical damage deductibles could save up to $330 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. 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 Affordable Chevrolet Silverado 3500HD Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a brief review of the material that was covered in the charts and tables above.
- Policyholders who may need higher liability limits will pay an extra $590 every year to go from a low limit to the 250/500 level
- Teenagers are charged the highest prices, costing up to $397 a month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,380 more every year for car insurance
- Increasing physical damage deductibles can save approximately $325 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area