2019 Chevrolet Silverado 2500HD Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Chevrolet Silverado 2500HD are $1,618 a year for full coverage insurance. Comprehensive insurance costs around $332, collision costs $656, and liability costs $450. Buying a liability-only policy costs as little as $518 a year, with high-risk insurance costing $3,512 or more. Teen drivers receive the highest rates at $6,038 a year or more.
Annual premium for full coverage: $1,618
Rate estimates for 2019 Chevrolet Silverado 2500HD Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Chevrolet Silverado 2500HD models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $518 for just liability insurance to the much higher price of $3,512 for a driver who has had serious violations or accidents.
These differences illustrate why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Chevrolet Silverado 2500HD Insurance
Searching for the cheapest insurance for a Chevy Silverado 2500HD can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to shop for insurance so we’re going to tell you the quickest way to price shop coverage for a Chevy and get the lowest possible price either online or from local insurance agents.
Finding affordable coverage is quite easy. If you are insured now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Drivers just need to learn the best way to get comparison quotes online.
Eight discounts for cheaper insurance quotes
Insurance can be pricey, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but occassionally some discounts must be specially asked for before they will apply. If you aren’t receiving every discount possible, you are paying more than you should be.
- Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% for SilveradoHD coverage with select insurance companies.
- Data Collection Discounts – Drivers who agree to allow their insurance company to analyze their driving habits by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
- Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for cheaper insurancerates.
- Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
- Professional Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your next renewal.
- College Student – Kids who live away from home at college and do not have a car may qualify for this discount.
- Senior Citizen Rates – Drivers over the age of 55 may qualify for reduced rates for SilveradoHD coverage.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for SilveradoHD coverage than drivers with accidents.
As a sidenote, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
The best insurance companies and a partial list of their discounts are shown below.
- State Farm has discounts for student away at school, safe vehicle, accident-free, good student, multiple policy, and Steer Clear safe driver discount.
- Progressive may include discounts for continuous coverage, homeowner, multi-vehicle, online signing, online quote discount, good student, and multi-policy.
- Travelers includes discounts for student away at school, early quote, multi-policy, hybrid/electric vehicle, and payment discounts.
- American Family may have discounts that include air bags, bundled insurance, multi-vehicle, good driver, Steer into Savings, and accident-free.
- Liberty Mutual may offer discounts for multi-policy, new graduate, new vehicle discount, teen driver discount, safety features, and good student.
Before purchasing a policy, check with each company the best way to save money. Savings may not apply to policyholders everywhere. To choose insurance companies who offer cheap insurance quotes, enter your zip code here.
First Step: Get free auto insurance quotes
Effectively comparing auto insurance prices can be a daunting task if you don’t understand the fastest way to get free quotes. You could waste time discussing policy coverages with insurance agencies in your area, or you could use online quoting to get pricing more quickly.
Most of the larger companies are enrolled in a marketplace that enables customers to complete one form, and at least one company returns a rated price. This saves time by eliminating repetitive form submissions for each company.
To compare pricing enter your zip code here.
The only downside to using this type of system is buyers cannot specifically choose the insurers you want pricing from. If you prefer to choose specific insurance companies to compare prices, we have a listing of auto insurance companies in your area. Click to enter zip code.
Whichever way you use, be certain you are entering exactly the same coverage limits and deductibles for each quote you get. If you enter different coverage information it’s impossible to determine which rate is truly the best.
You may need specialized car insurance coverage
When choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.
For example, these questions may help you determine if you will benefit from professional help.
- What is covered by UM/UIM coverage?
- What is medical payments coverage?
- Does my policy cover me when driving someone else’s vehicle?
- Do I need to file an SR-22 for a DUI in my state?
- How can I get my company to pay me more for my totalled car?
- Can my teen drive my company car?
If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and you can get the answers you need.
Don’t be fooled by advertising claims
Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the companies seem to make the promise that drivers can save some big amount after switching your policy.
How is it possible that every company can offer drivers better rates? Here is the trick they use.
Many companies quote their cheapest rates for the right customer that will generate a profit. One example of this type of insured could possibly be over the age of 35, has no driving citations, and drives a vehicle with a low ISO rating. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.
Drivers who don’t measure up to the ideal profile will be quoted higher rates and business going elsewhere. The ad wording is “people that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can make claims like that. This emphasizes why it is so important to compare price quotes frequently. It is just not possible to predict which company will have the lowest rate quotes.
Coverages available on your policy
Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.
Coverage for collisions
Collision insurance pays for damage to your Silverado 2500HD resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for bills like prosthetic devices, nursing services, ambulance fees and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability insurance covers claims such as loss of income, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from flooding, vandalism and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Don’t break the bank
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.
Cost effective 2019 Chevy Silverado 2500HD insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide rates over the internet and usually these smaller companies only sell through independent insurance agencies.
In this article, we covered a lot of information how to compare 2019 Chevy Silverado 2500HD insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest premium rates are with an unexpected company.
For more information, link through to these articles:
Rates by U.S. City
|New York City, NY||$2,556|
|Los Angeles, CA||$2,766|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$122|
|5-yr Claim Free||$105|
|Paid in Full/EFT||$76|
Discounts are estimated and may not be available from every company or in every state.