Chevrolet Silverado 2500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Chevrolet Silverado 2500HD are $1,270 a year for full coverage insurance. Comprehensive costs around $210 each year, collision insurance costs $346, and liability costs around $534. A policy with just liability insurance costs as low as $588 a year, and coverage for high-risk drivers costs around $2,752. Teen drivers receive the highest rates at up to $5,044 a year.
Average premium for full coverage: $1,270
Rate estimates for individual coverage type:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Silverado 2500HD models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $588 for a discount liability-only rate to a high rate of $2,752 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code and risk profile, instead of using price 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.
Rates by State, City, and Model
The chart below illustrates average Chevrolet Silverado 2500HD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $754
- Using higher $1,000 deductibles will save about $126 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,270
- Choosing low deductibles for physical damage coverage will increase the cost to $1,514
- Drivers with multiple violations and an at-fault accident could pay at least $2,752
- The cost for full coverage for a teen driver can be $5,044 or more
Insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,000 a year. View Rates by Age
Where you live has a huge impact on Chevrolet Silverado 2500HD insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,720 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could cut rates by as much as $370 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 131% more than average. View High Risk Driver Rates
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 Right Chevrolet Silverado 2500HD Insurance
Saving money on car insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a quick rundown of the primary concepts that were raised in the charts and tables above.
- It is possible to save up to $150 per year just by quoting online in advance
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,480 more every year for auto insurance
- Increasing deductibles can save around $375 each year
- Teenage drivers are charged the highest rates, costing up to $420 per month including comprehensive and collision insurance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
