Chevrolet Silverado 3500HD Insurance Rates

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UPDATED: Apr 25, 2024

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Average insurance prices for a Chevrolet Silverado 3500HD are $1,200 every 12 months with full coverage. Comprehensive costs around $212, collision costs $274, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,580. Teens receive the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Rate estimates for individual coverage type:

Comprehensive $212
Collision $274
Liability $534

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all Silverado 3500HD models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $588 for the bare minimum liability coverage to the much higher price of $2,580 for a driver that may need high-risk insurance.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of 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.

Additional Rate Information

The chart below details estimated 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 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,200
  • Selecting pricier low deductibles increases the price to $1,412
  • At-risk drivers with serious driving violations could pay at least $2,580 or more
  • The cost to insure a teen driver for full coverage can be $4,768

View Chart as Image

Chevrolet Silverado 3500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 3500HD insurance rates range from $726 to $4,768

Insurance rates for a Chevrolet Silverado 3500HD can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. Chevrolet Silverado 3500HD insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Chevrolet Silverado 3500HD insurance prices. A middle-age driver might find rates as low as $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

Chevrolet Silverado 3500HD Insurance Rates by State
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%

View Chart as Image

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

With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates can be significantly different.

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 $1,264 $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.

Chevrolet Silverado 3500HD Insurance Rates by Model Year
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 the Best Cheap Chevrolet Silverado 3500HD Insurance

Saving money on car insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick review of the data that was illustrated above.

  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Policyholders who may need increased liability limits will pay approximately $590 every year to raise from a minimum limit to a 250/500 level
  • Drivers under the age of 20 pay higher rates, with premiums as much as $397 per month if they have full coverage
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,380 more every year to insure a Chevrolet Silverado 3500HD

Rates by Driver Age

Chevrolet Silverado 3500HD Insurance 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

Chevrolet Silverado 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 3500HD Insurance Rates with Different Liability Limits
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

Chevrolet Silverado 3500HD Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $726

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

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