Chevrolet Silverado 3500HD Insurance Rates
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UPDATED: Apr 25, 2024
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U.S. average auto insurance rates for a Chevrolet Silverado 3500HD are $1,248 annually with full coverage. Comprehensive costs on average $228 each year, collision costs $300, and liability is $540. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing around $2,680. Teen drivers pay the highest rates at $4,916 a year or more.
Average premium for full coverage: $1,248
Price estimates by individual coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Silverado 3500HD models.
Price Range from Low to High
Using a 40-year-old driver as an example, Chevrolet Silverado 3500HD insurance prices go from as cheap as $592 for just liability insurance to a high rate of $2,680 for a driver required to buy 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 fewer collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.
More Rate Details
The chart below details estimated Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $752
- Raising to $1,000 deductibles will save around $120 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,248
- Choosing low deductibles will cost $1,478
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,680 or more
- The price with full coverage for a 16-year-old driver may cost $4,916
Insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $350 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Chevrolet Silverado 3500HD insurance prices. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,690 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different between companies.
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 the Best Chevrolet Silverado 3500HD Insurance
Getting lower rates on insurance for a Chevrolet Silverado 3500HD consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a brief recap of the data raised in the charts and tables above.
- Insureds who require increased levels of liability coverage will pay about $590 every year to raise from a low limit to higher 250/500 limits
- You may be able to save as much as $140 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $350 each year
- Drivers age 20 and younger pay higher prices, costing up to $410 a month if they have full coverage
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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