Chevrolet Silverado 3500HD Insurance Rates
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UPDATED: Apr 25, 2024
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The average insurance rates for a Chevrolet Silverado 3500HD are $1,200 a year including full coverage. Comprehensive insurance costs around $212, collision insurance costs $274, and liability coverage is $534. Liability-only insurance costs around $588 a year, and high-risk driver insurance costs $2,580 or more. Teens cost the most to insure at up to $4,768 a year.
Average premium for full coverage: $1,200
Policy rates for type of insurance:
These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Silverado 3500HD models.
Price Range Variability
For a driver in their 40's, Chevrolet Silverado 3500HD insurance rates range from as low as $588 for your basic liability-only policy to the much higher price of $2,580 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code and risk profile, rather than using 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 Information
The chart below breaks down average Chevrolet Silverado 3500HD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $726
- Raising to $1,000 deductibles will save about $110 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,200
- Selecting pricier low deductibles will cost an extra $212 each year
- Unlucky drivers with serious driving violations could pay at least $2,580
- Policy cost for full coverage for a teenage driver for full coverage can be $4,768
Auto insurance rates for a Chevrolet Silverado 3500HD also range considerably based on your risk profile, the model of your Silverado 3500HD, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age
Your home state also has a big influence on Chevrolet Silverado 3500HD insurance rates. A middle-age driver might find rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,720 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Chevrolet Silverado 3500HD insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average policy. View High Risk Driver Rates
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 Cheap Chevrolet Silverado 3500HD Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief summary of the car insurance concepts covered in the charts and tables above.
- Drivers that tend to have accidents or serious violations pay on average $1,380 more every year for Silverado 3500HD insurance
- You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $325 each year
- Consumers who may need higher liability limits will pay approximately $590 per year to raise from a 30/60 limit to 250/500 limits
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.
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