Chevrolet Silverado 2500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
UPDATED: May 14, 2024
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Estimated auto insurance rates for a Chevrolet Silverado 2500HD are $1,240 annually with full coverage. Comprehensive costs an estimated $206, collision insurance costs $314, and liability is $540. Liability-only coverage costs around $592 a year, and high-risk coverage costs around $2,678. Teenage drivers pay the most at up to $4,936 a year.
Average premium for full coverage: $1,240
Premium estimates broken down by type of coverage:
Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Silverado 2500HD models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Chevrolet Silverado 2500HD range from as cheap as $592 for basic liability insurance to the much higher price of $2,678 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.
These rate differences demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, 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.
Rate Comparisons
The chart below details average Chevrolet Silverado 2500HD insurance rates for other coverage scenarios.
- The best discount rate is $741
- Raising to $1,000 deductibles will save approximately $118 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,240
- Using pricier low deductibles will cost $1,468
- At-risk drivers who are prone to accidents and violations could pay up to $2,678
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,936
Insurance prices for a Chevrolet Silverado 2500HD also have a wide range based on the model of your Silverado 2500HD, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,100 extra annually, depending on your age. Chevrolet Silverado 2500HD insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $350 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Chevrolet Silverado 2500HD insurance prices. A middle-age driver might find prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$120 | -9.7% |
| Alaska | $952 | -$288 | -23.2% |
| Arizona | $1,028 | -$212 | -17.1% |
| Arkansas | $1,240 | -$0 | 0.0% |
| California | $1,412 | $172 | 13.9% |
| Colorado | $1,182 | -$58 | -4.7% |
| Connecticut | $1,272 | $32 | 2.6% |
| Delaware | $1,402 | $162 | 13.1% |
| Florida | $1,548 | $308 | 24.8% |
| Georgia | $1,144 | -$96 | -7.7% |
| Hawaii | $890 | -$350 | -28.2% |
| Idaho | $840 | -$400 | -32.3% |
| Illinois | $920 | -$320 | -25.8% |
| Indiana | $934 | -$306 | -24.7% |
| Iowa | $834 | -$406 | -32.7% |
| Kansas | $1,174 | -$66 | -5.3% |
| Kentucky | $1,688 | $448 | 36.1% |
| Louisiana | $1,834 | $594 | 47.9% |
| Maine | $764 | -$476 | -38.4% |
| Maryland | $1,024 | -$216 | -17.4% |
| Massachusetts | $990 | -$250 | -20.2% |
| Michigan | $2,150 | $910 | 73.4% |
| Minnesota | $1,038 | -$202 | -16.3% |
| Mississippi | $1,484 | $244 | 19.7% |
| Missouri | $1,098 | -$142 | -11.5% |
| Montana | $1,330 | $90 | 7.3% |
| Nebraska | $978 | -$262 | -21.1% |
| Nevada | $1,486 | $246 | 19.8% |
| New Hampshire | $892 | -$348 | -28.1% |
| New Jersey | $1,386 | $146 | 11.8% |
| New Mexico | $1,096 | -$144 | -11.6% |
| New York | $1,306 | $66 | 5.3% |
| North Carolina | $712 | -$528 | -42.6% |
| North Dakota | $1,016 | -$224 | -18.1% |
| Ohio | $854 | -$386 | -31.1% |
| Oklahoma | $1,270 | $30 | 2.4% |
| Oregon | $1,134 | -$106 | -8.5% |
| Pennsylvania | $1,180 | -$60 | -4.8% |
| Rhode Island | $1,654 | $414 | 33.4% |
| South Carolina | $1,122 | -$118 | -9.5% |
| South Dakota | $1,048 | -$192 | -15.5% |
| Tennessee | $1,084 | -$156 | -12.6% |
| Texas | $1,492 | $252 | 20.3% |
| Utah | $916 | -$324 | -26.1% |
| Vermont | $846 | -$394 | -31.8% |
| Virginia | $742 | -$498 | -40.2% |
| Washington | $954 | -$286 | -23.1% |
| West Virginia | $1,134 | -$106 | -8.5% |
| Wisconsin | $858 | -$382 | -30.8% |
| Wyoming | $1,102 | -$138 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 2WD | $1,210 | $101 |
| LT Crew Cab 4WD | $1,098 | $92 |
| LTZ Crew Cab 4WD | $1,120 | $93 |
| LT Crew Cab Diesel 2WD | $1,254 | $105 |
| LT Extended Cab Diesel 2WD | $1,254 | $105 |
| LTZ Crew Cab 2WD | $1,254 | $105 |
| LT Crew Cab Diesel 4WD | $1,142 | $95 |
| LTZ Crew Cab Diesel 2WD | $1,274 | $106 |
| LTZ Crew Cab Diesel 4WD | $1,162 | $97 |
Rates assume 2012 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 2500HD | $346 | $660 | $440 | $1,626 |
| 2023 Chevrolet Silverado 2500HD | $332 | $656 | $450 | $1,618 |
| 2022 Chevrolet Silverado 2500HD | $320 | $640 | $470 | $1,610 |
| 2021 Chevrolet Silverado 2500HD | $310 | $612 | $486 | $1,588 |
| 2019 Chevrolet Silverado 2500HD | $282 | $548 | $510 | $1,520 |
| 2018 Chevrolet Silverado 2500HD | $270 | $516 | $514 | $1,480 |
| 2017 Chevrolet Silverado 2500HD | $258 | $464 | $520 | $1,422 |
| 2016 Chevrolet Silverado 2500HD | $242 | $426 | $520 | $1,368 |
| 2014 Chevrolet Silverado 2500HD | $228 | $374 | $534 | $1,316 |
| 2012 Chevrolet Silverado 2500HD | $206 | $314 | $540 | $1,240 |
| 2010 Chevrolet Silverado 2500HD | $180 | $262 | $534 | $1,156 |
Rates are averaged for all Chevrolet Silverado 2500HD 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 2500HD Insurance
Finding better rates on car insurance consists of being a low-risk driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct companies, and also from several local insurance agents.
The items below are a condensed summary of the primary concepts that were touched on in this article.
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
- Higher risk drivers with multiple at-fault accidents pay on average $1,440 more annually to insure their Silverado 2500HD
- Increasing policy deductibles could save up to $350 each year
- Teen drivers are charged the highest prices, possibly costing $411 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,936 |
| 20 | $2,848 |
| 30 | $1,266 |
| 40 | $1,240 |
| 50 | $1,136 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,362 |
| $500 | $1,240 |
| $1,000 | $1,122 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,240 |
| 50/100 | $1,258 |
| 100/300 | $1,377 |
| 250/500 | $1,688 |
| 100 CSL | $1,305 |
| 300 CSL | $1,568 |
| 500 CSL | $1,760 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,976 |
| 20 | $4,542 |
| 30 | $2,706 |
| 40 | $2,678 |
| 50 | $2,560 |
| 60 | $2,536 |
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 | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $48 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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