Chevrolet Silverado 3500HD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 25, 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 auto insurance rates for a Chevrolet Silverado 3500HD are $1,248 annually for full coverage insurance. Comprehensive costs an estimated $228 each year, collision insurance costs $300, and liability coverage costs around $540. A policy with just liability insurance costs as low as $592 a year, and coverage for high-risk drivers costs around $2,680. 16-year-old drivers receive the highest rates at up to $4,916 a year.
Average premium for full coverage: $1,248
Rate estimates broken down by individual coverage type:
Includes $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Silverado 3500HD models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $592 for the bare minimum liability coverage to a high rate of $2,680 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.
These examples illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using 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.
Additional Rate Information
The chart below illustrates average Chevrolet Silverado 3500HD insurance rates for other coverage scenarios.
- The best full coverage rate is $752
- Using higher $1,000 deductibles will save approximately $120 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,248
- Buying low deductibles for physical damage coverage will cost $1,478
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,680
- The cost with full coverage for a teenage driver can cost as much as $4,916 or more
Insurance rates for a Chevrolet Silverado 3500HD can also vary considerably based on the trim level of your Silverado 3500HD, your risk profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $350 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Chevrolet Silverado 3500HD insurance rates. A driver around age 40 might see rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,690 on average in Florida, New York, and Michigan.
| 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 the Cheapest Chevrolet Silverado 3500HD Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following is a recap of the primary concepts that were raised in the charts and tables above.
- It is possible to save approximately $140 per year just by quoting online in advance
- Drivers that have major violations or accidents may pay on average $1,430 more annually for Silverado 3500HD insurance
- Increasing deductibles could save up to $350 each year
- Teens are expensive to insure, costing up to $410 per 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
