Chevrolet Silverado 3500HD Insurance Rates
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UPDATED: Apr 25, 2024
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Estimated insurance prices for a Chevrolet Silverado 3500HD are $1,248 every 12 months for full coverage insurance. Comprehensive costs approximately $228 each year, collision insurance costs $300, and liability coverage is $540. Liability-only insurance costs around $592 a year, and high-risk driver insurance costs around $2,680. 16-year-old drivers pay the most at up to $4,916 a year.
Average premium for full coverage: $1,248
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Silverado 3500HD models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Chevrolet Silverado 3500HD range from the cheapest price of $592 for basic liability insurance to a high rate of $2,680 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.
These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own driving history, 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.
Rate Comparisons
The chart below illustrates average Chevrolet Silverado 3500HD insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $752
- Raising to $1,000 deductibles will save $120 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,248
- Buying low deductibles increases the price to $1,478
- Unlucky drivers with multiple tickets or accidents could pay around $2,680
- An auto insurance policy to insure a teenage driver can cost $4,916
Insurance prices for a Chevrolet Silverado 3500HD also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Silverado 3500HD.
Opting for high physical damage deductibles can reduce prices by up to $350 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Chevrolet Silverado 3500HD insurance rates. A middle-age driver might find prices 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 Shop for the Cheapest Chevrolet Silverado 3500HD Insurance
Finding better rates on auto insurance consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a recap of the car insurance concepts illustrated above.
- Drivers that have major violations or accidents may have to pay on average $1,430 more per year than a low-risk driver
- It is possible to save around $140 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $350 each year
- Consumers who purchase more liability protection will pay around $590 annually to raise from 30/60 bodily injury limits to a 250/500 level
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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