Chevrolet Silverado 3500HD Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 25, 2024
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Average insurance prices for a Chevrolet Silverado 3500HD are $1,200 every 12 months for full coverage. Comprehensive insurance costs on average $212 each year, collision insurance costs $274, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,580 or more. Teenage drivers receive the highest rates at up to $4,768 a year.
Average premium for full coverage: $1,200
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Silverado 3500HD models.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $588 for minimum levels of liability insurance to a high rate of $2,580 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples show why all drivers should compare prices based on a specific location and their own driving history, 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.
Additional Rate Details
The chart below shows average Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.
- The best discount rate is $726
- Using higher $1,000 deductibles will save around $110 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,200
- Using low deductibles for physical damage coverage costs an extra $212 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,580
- The cost to insure a 16-year-old driver may cost $4,768 or more
Auto insurance rates for a Chevrolet Silverado 3500HD can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Silverado 3500HD.
Using high physical damage deductibles could cut rates by as much as $330 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Chevrolet Silverado 3500HD insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, 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% |
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 Shop for More Affordable Chevrolet Silverado 3500HD Insurance
Saving money on insurance for a Chevrolet Silverado 3500HD requires being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a summary of the information covered in the above illustrations.
- Drivers can save as much as $140 per year just by quoting online in advance
- Teenage drivers are charged the highest rates, costing as high as $397 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $325 each year
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,380 more each year for auto insurance
- Insureds who require higher levels of liability will pay an extra $590 each year to increase from a minimum limit to a 250/500 level
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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