Chevrolet Silverado 2500HD Insurance Rates
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UPDATED: May 14, 2024
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U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,270 a year with full coverage. Comprehensive costs on average $210 a year, collision costs $346, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,752. 16-year-old drivers pay the highest rates at $5,044 a year or more.
Average premium for full coverage: $1,270
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Silverado 2500HD trim levels.
Price Range from Low to High
For an average driver, Chevrolet Silverado 2500HD insurance prices go from as low as $588 for your basic liability-only policy to a high of $2,752 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.
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 details estimated Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $754
- Raising to $1,000 deductibles will save around $1,144 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,270
- Buying low $100 deductibles will increase the cost to $1,514
- Drivers with multiple tickets or accidents could pay upwards of $2,752 or more
- The price for full coverage for a 16-year-old driver may cost $5,044
Insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Chevrolet Silverado 2500HD insurance prices. A middle-age driver might find prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,720 on average in Florida, Michigan, 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% |
Opting for high physical damage deductibles can reduce prices by up to $370 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 131% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.
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 Find the Best Cheap Chevrolet Silverado 2500HD Insurance
Getting lower rates on insurance for a Chevrolet Silverado 2500HD consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from local insurance agents.
The following list is a quick review of the material that was covered in the above illustrations.
- Insureds who require an increased level of liability coverage will pay around $590 every year to raise from a low limit to 250/500 limits
- Drivers age 16 to 20 pay higher prices, costing up to $420 a month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,480 more each year than a safer driver
- Increasing physical damage deductibles can save around $375 each year
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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