Chevrolet Silverado 3500HD Insurance Rates
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UPDATED: Apr 25, 2024
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The average auto insurance rates for a Chevrolet Silverado 3500HD are $1,248 annually with full coverage. Comprehensive insurance costs an estimated $228, collision insurance costs $300, and liability coverage is $540. A liability-only policy costs around $592 a year, and high-risk insurance costs $2,680 or more. Teen drivers cost the most to insure at up to $4,916 a year.
Average premium for full coverage: $1,248
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Silverado 3500HD models.
Price Range Variability
For the average 40-year-old driver, Chevrolet Silverado 3500HD insurance rates range from as cheap as $592 for minimum levels of liability insurance to the much higher price of $2,680 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.
The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than 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.
Additional Rate Details
The chart below details average Chevrolet Silverado 3500HD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $752
- Raising to $1,000 deductibles will save approximately $120 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,248
- Choosing pricier low deductibles costs an additional $230 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,680
- Policy cost with full coverage for a teenage driver for full coverage can cost as much as $4,916
Car insurance rates for a Chevrolet Silverado 3500HD also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Chevrolet Silverado 3500HD insurance for high-risk drivers is expensive and can cost around 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $350 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Chevrolet Silverado 3500HD insurance rates. A middle-age driver might find rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,128 | -$120 | -9.6% |
| Alaska | $958 | -$290 | -23.2% |
| Arizona | $1,038 | -$210 | -16.8% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,190 | -$58 | -4.6% |
| Connecticut | $1,280 | $32 | 2.6% |
| Delaware | $1,412 | $164 | 13.1% |
| Florida | $1,562 | $314 | 25.2% |
| Georgia | $1,154 | -$94 | -7.5% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $846 | -$402 | -32.2% |
| Illinois | $928 | -$320 | -25.6% |
| Indiana | $940 | -$308 | -24.7% |
| Iowa | $840 | -$408 | -32.7% |
| Kansas | $1,184 | -$64 | -5.1% |
| Kentucky | $1,702 | $454 | 36.4% |
| Louisiana | $1,846 | $598 | 47.9% |
| Maine | $770 | -$478 | -38.3% |
| Maryland | $1,030 | -$218 | -17.5% |
| Massachusetts | $996 | -$252 | -20.2% |
| Michigan | $2,166 | $918 | 73.6% |
| Minnesota | $1,046 | -$202 | -16.2% |
| Mississippi | $1,496 | $248 | 19.9% |
| Missouri | $1,104 | -$144 | -11.5% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,496 | $248 | 19.9% |
| New Hampshire | $898 | -$350 | -28.0% |
| New Jersey | $1,396 | $148 | 11.9% |
| New Mexico | $1,104 | -$144 | -11.5% |
| New York | $1,314 | $66 | 5.3% |
| North Carolina | $718 | -$530 | -42.5% |
| North Dakota | $1,024 | -$224 | -17.9% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,280 | $32 | 2.6% |
| Oregon | $1,144 | -$104 | -8.3% |
| Pennsylvania | $1,188 | -$60 | -4.8% |
| Rhode Island | $1,664 | $416 | 33.3% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,090 | -$158 | -12.7% |
| Texas | $1,504 | $256 | 20.5% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $854 | -$394 | -31.6% |
| Virginia | $746 | -$502 | -40.2% |
| Washington | $962 | -$286 | -22.9% |
| West Virginia | $1,144 | -$104 | -8.3% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 4WD | $1,308 | $109 |
| LT Extended Cab 4WD | $1,308 | $109 |
| LT Crew Cab 2WD | $1,128 | $94 |
| LTZ Crew Cab 2WD | $1,150 | $96 |
| LT Crew Cab Diesel 2WD | $1,172 | $98 |
| LTZ Crew Cab Diesel 2WD | $1,194 | $100 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| 2023 Chevrolet Silverado 3500HD | $384 | $630 | $440 | $1,634 |
| 2022 Chevrolet Silverado 3500HD | $370 | $626 | $450 | $1,626 |
| 2021 Chevrolet Silverado 3500HD | $356 | $610 | $470 | $1,616 |
| 2020 Chevrolet Silverado 3500HD | $344 | $586 | $486 | $1,596 |
| 2019 Chevrolet Silverado 3500HD | $326 | $564 | $500 | $1,570 |
| 2018 Chevrolet Silverado 3500HD | $312 | $524 | $510 | $1,526 |
| 2017 Chevrolet Silverado 3500HD | $300 | $494 | $514 | $1,488 |
| 2016 Chevrolet Silverado 3500HD | $288 | $442 | $520 | $1,430 |
| 2015 Chevrolet Silverado 3500HD | $270 | $408 | $520 | $1,378 |
| 2014 Chevrolet Silverado 3500HD | $260 | $382 | $524 | $1,346 |
| 2012 Chevrolet Silverado 3500HD | $234 | $330 | $534 | $1,278 |
| 2011 Chevrolet Silverado 3500HD | $228 | $300 | $540 | $1,248 |
| 2010 Chevrolet Silverado 3500HD | $212 | $274 | $534 | $1,200 |
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 Buy Affordable Chevrolet Silverado 3500HD Insurance
Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief review of the data that was 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
- Consumers who want higher levels of liability will pay about $590 every year to raise from a 30/60 limit to higher 250/500 limits
- Teenage drivers have the highest car insurance rates, as much as $410 each month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions pay on average $1,430 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,916 |
| 20 | $2,840 |
| 30 | $1,276 |
| 40 | $1,248 |
| 50 | $1,144 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,374 |
| $500 | $1,248 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,290 |
| 100/300 | $1,409 |
| 250/500 | $1,720 |
| 100 CSL | $1,337 |
| 300 CSL | $1,600 |
| 500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,946 |
| 20 | $4,526 |
| 30 | $2,710 |
| 40 | $2,680 |
| 50 | $2,560 |
| 60 | $2,534 |
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 | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $47 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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