Chevrolet Silverado 2500HD Insurance Rates
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UPDATED: May 14, 2024
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U.S. average insurance prices for a Chevrolet Silverado 2500HD are $1,270 every 12 months for full coverage. Comprehensive costs on average $210, collision insurance costs $346, and liability coverage is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,752. Teenage drivers pay the highest rates at up to $5,044 a year.
Average premium for full coverage: $1,270
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Silverado 2500HD trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Chevrolet Silverado 2500HD insurance prices range from the cheapest price of $588 for just the minimum liability insurance to a much higher rate of $2,752 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than 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 shows average Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.
- The best discount rate is $754
- Raising to $1,000 deductibles will save around $126 a year
- The average price for the average middle-age driver with $500 deductibles is $1,270
- Using more expensive low deductibles increases the price to $1,514
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,752
- The price to insure a teenage driver with full coverage may cost $5,044
Auto insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Silverado 2500HD.
Using high physical damage deductibles can reduce prices by up to $370 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Chevrolet Silverado 2500HD insurance rates. A middle-age driver might find prices as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,150 | -$120 | -9.4% |
| Alaska | $976 | -$294 | -23.1% |
| Arizona | $1,056 | -$214 | -16.9% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,448 | $178 | 14.0% |
| Colorado | $1,212 | -$58 | -4.6% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,438 | $168 | 13.2% |
| Florida | $1,590 | $320 | 25.2% |
| Georgia | $1,174 | -$96 | -7.6% |
| Hawaii | $912 | -$358 | -28.2% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $946 | -$324 | -25.5% |
| Indiana | $960 | -$310 | -24.4% |
| Iowa | $858 | -$412 | -32.4% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,734 | $464 | 36.5% |
| Louisiana | $1,882 | $612 | 48.2% |
| Maine | $786 | -$484 | -38.1% |
| Maryland | $1,050 | -$220 | -17.3% |
| Massachusetts | $1,014 | -$256 | -20.2% |
| Michigan | $2,206 | $936 | 73.7% |
| Minnesota | $1,064 | -$206 | -16.2% |
| Mississippi | $1,522 | $252 | 19.8% |
| Missouri | $1,128 | -$142 | -11.2% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,002 | -$268 | -21.1% |
| Nevada | $1,526 | $256 | 20.2% |
| New Hampshire | $918 | -$352 | -27.7% |
| New Jersey | $1,424 | $154 | 12.1% |
| New Mexico | $1,124 | -$146 | -11.5% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $734 | -$536 | -42.2% |
| North Dakota | $1,042 | -$228 | -18.0% |
| Ohio | $878 | -$392 | -30.9% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,166 | -$104 | -8.2% |
| Pennsylvania | $1,212 | -$58 | -4.6% |
| Rhode Island | $1,696 | $426 | 33.5% |
| South Carolina | $1,152 | -$118 | -9.3% |
| South Dakota | $1,074 | -$196 | -15.4% |
| Tennessee | $1,112 | -$158 | -12.4% |
| Texas | $1,532 | $262 | 20.6% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $870 | -$400 | -31.5% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $980 | -$290 | -22.8% |
| West Virginia | $1,166 | -$104 | -8.2% |
| Wisconsin | $880 | -$390 | -30.7% |
| Wyoming | $1,132 | -$138 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 2WD | $1,238 | $103 |
| LT Crew Cab 4WD | $1,126 | $94 |
| LTZ Crew Cab 4WD | $1,150 | $96 |
| LT Crew Cab Diesel 2WD | $1,286 | $107 |
| LT Extended Cab Diesel 2WD | $1,286 | $107 |
| LTZ Crew Cab 2WD | $1,286 | $107 |
| LT Crew Cab Diesel 4WD | $1,172 | $98 |
| LTZ Crew Cab Diesel 2WD | $1,310 | $109 |
| LTZ Crew Cab Diesel 4WD | $1,196 | $100 |
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 | $362 | $688 | $420 | $1,650 |
| 2023 Chevrolet Silverado 2500HD | $346 | $660 | $440 | $1,626 |
| 2022 Chevrolet Silverado 2500HD | $332 | $656 | $450 | $1,618 |
| 2021 Chevrolet Silverado 2500HD | $320 | $640 | $470 | $1,610 |
| 2019 Chevrolet Silverado 2500HD | $292 | $592 | $500 | $1,564 |
| 2018 Chevrolet Silverado 2500HD | $282 | $548 | $510 | $1,520 |
| 2017 Chevrolet Silverado 2500HD | $270 | $516 | $514 | $1,480 |
| 2016 Chevrolet Silverado 2500HD | $258 | $464 | $520 | $1,422 |
| 2014 Chevrolet Silverado 2500HD | $234 | $400 | $524 | $1,338 |
| 2012 Chevrolet Silverado 2500HD | $210 | $346 | $534 | $1,270 |
| 2010 Chevrolet Silverado 2500HD | $192 | $288 | $534 | $1,194 |
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 Shop for Cheaper Chevrolet Silverado 2500HD Insurance
Getting lower rates on auto insurance consists of avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a condensed summary of the data touched on in the above illustrations.
- Consumers who require increased liability limits will pay an extra $590 each year to raise from a low limit to a 250/500 level
- Drivers can save as much as $150 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $375 each year
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $420 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,044 |
| 20 | $2,932 |
| 30 | $1,302 |
| 40 | $1,270 |
| 50 | $1,166 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,404 |
| $500 | $1,270 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,291 |
| 100/300 | $1,409 |
| 250/500 | $1,717 |
| 100 CSL | $1,338 |
| 300 CSL | $1,599 |
| 500 CSL | $1,789 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,142 |
| 20 | $4,676 |
| 30 | $2,786 |
| 40 | $2,752 |
| 50 | $2,634 |
| 60 | $2,608 |
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 | $65 |
| Multi-vehicle | $69 |
| Homeowner | $22 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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