Chevrolet Silverado 2500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 14, 2024
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U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,240 a year for full coverage insurance. Comprehensive insurance costs on average $206 each year, collision insurance costs $314, and liability costs $540. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers costs $2,678 or more. Teenage drivers pay the highest rates at up to $4,936 a year.
Average premium for full coverage: $1,240
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Silverado 2500HD models.
Price Range from Low to High
For the average driver, Chevrolet Silverado 2500HD insurance prices range from the low end price of $592 for minimum levels of liability insurance to a high rate of $2,678 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.
The ranges above illustrate why all drivers should compare rates based on a specific location, instead of making a decision based on average rates.
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 illustrates average Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.
- The best discount rate is $741
- Drivers who choose higher $1,000 deductibles will pay around $118 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,240
- Using low deductibles for comprehensive and collision insurance will cost an additional $228 annually
- Drivers who are prone to accidents and violations could pay upwards of $2,678
- The price that insures a 16-year-old driver may cost $4,936 a year
Insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age
The state you live in makes a big difference in Chevrolet Silverado 2500HD insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,670 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$120 | -9.7% |
| Alaska | $952 | -$288 | -23.2% |
| Arizona | $1,028 | -$212 | -17.1% |
| Arkansas | $1,240 | -$0 | 0.0% |
| California | $1,412 | $172 | 13.9% |
| Colorado | $1,182 | -$58 | -4.7% |
| Connecticut | $1,272 | $32 | 2.6% |
| Delaware | $1,402 | $162 | 13.1% |
| Florida | $1,548 | $308 | 24.8% |
| Georgia | $1,144 | -$96 | -7.7% |
| Hawaii | $890 | -$350 | -28.2% |
| Idaho | $840 | -$400 | -32.3% |
| Illinois | $920 | -$320 | -25.8% |
| Indiana | $934 | -$306 | -24.7% |
| Iowa | $834 | -$406 | -32.7% |
| Kansas | $1,174 | -$66 | -5.3% |
| Kentucky | $1,688 | $448 | 36.1% |
| Louisiana | $1,834 | $594 | 47.9% |
| Maine | $764 | -$476 | -38.4% |
| Maryland | $1,024 | -$216 | -17.4% |
| Massachusetts | $990 | -$250 | -20.2% |
| Michigan | $2,150 | $910 | 73.4% |
| Minnesota | $1,038 | -$202 | -16.3% |
| Mississippi | $1,484 | $244 | 19.7% |
| Missouri | $1,098 | -$142 | -11.5% |
| Montana | $1,330 | $90 | 7.3% |
| Nebraska | $978 | -$262 | -21.1% |
| Nevada | $1,486 | $246 | 19.8% |
| New Hampshire | $892 | -$348 | -28.1% |
| New Jersey | $1,386 | $146 | 11.8% |
| New Mexico | $1,096 | -$144 | -11.6% |
| New York | $1,306 | $66 | 5.3% |
| North Carolina | $712 | -$528 | -42.6% |
| North Dakota | $1,016 | -$224 | -18.1% |
| Ohio | $854 | -$386 | -31.1% |
| Oklahoma | $1,270 | $30 | 2.4% |
| Oregon | $1,134 | -$106 | -8.5% |
| Pennsylvania | $1,180 | -$60 | -4.8% |
| Rhode Island | $1,654 | $414 | 33.4% |
| South Carolina | $1,122 | -$118 | -9.5% |
| South Dakota | $1,048 | -$192 | -15.5% |
| Tennessee | $1,084 | -$156 | -12.6% |
| Texas | $1,492 | $252 | 20.3% |
| Utah | $916 | -$324 | -26.1% |
| Vermont | $846 | -$394 | -31.8% |
| Virginia | $742 | -$498 | -40.2% |
| Washington | $954 | -$286 | -23.1% |
| West Virginia | $1,134 | -$106 | -8.5% |
| Wisconsin | $858 | -$382 | -30.8% |
| Wyoming | $1,102 | -$138 | -11.1% |
Using high physical damage deductibles could save up to $350 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 2WD | $1,210 | $101 |
| LT Crew Cab 4WD | $1,098 | $92 |
| LTZ Crew Cab 4WD | $1,120 | $93 |
| LT Crew Cab Diesel 2WD | $1,254 | $105 |
| LT Extended Cab Diesel 2WD | $1,254 | $105 |
| LTZ Crew Cab 2WD | $1,254 | $105 |
| LT Crew Cab Diesel 4WD | $1,142 | $95 |
| LTZ Crew Cab Diesel 2WD | $1,274 | $106 |
| LTZ Crew Cab Diesel 4WD | $1,162 | $97 |
Rates assume 2012 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 2500HD | $346 | $660 | $440 | $1,626 |
| 2023 Chevrolet Silverado 2500HD | $332 | $656 | $450 | $1,618 |
| 2022 Chevrolet Silverado 2500HD | $320 | $640 | $470 | $1,610 |
| 2021 Chevrolet Silverado 2500HD | $310 | $612 | $486 | $1,588 |
| 2019 Chevrolet Silverado 2500HD | $282 | $548 | $510 | $1,520 |
| 2018 Chevrolet Silverado 2500HD | $270 | $516 | $514 | $1,480 |
| 2017 Chevrolet Silverado 2500HD | $258 | $464 | $520 | $1,422 |
| 2016 Chevrolet Silverado 2500HD | $242 | $426 | $520 | $1,368 |
| 2014 Chevrolet Silverado 2500HD | $228 | $374 | $534 | $1,316 |
| 2012 Chevrolet Silverado 2500HD | $206 | $314 | $540 | $1,240 |
| 2010 Chevrolet Silverado 2500HD | $180 | $262 | $534 | $1,156 |
Rates are averaged for all Chevrolet Silverado 2500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Chevrolet Silverado 2500HD Insurance
Getting lower rates on insurance for a Chevrolet Silverado 2500HD not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a summary of the information touched on above.
- It is possible to save as much as $140 per year just by quoting online in advance
- Youthful drivers pay higher prices, as much as $411 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $350 each year
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,440 more each year than a low-risk driver
- Insureds who require more liability protection will pay an extra $590 annually to go from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,936 |
| 20 | $2,848 |
| 30 | $1,266 |
| 40 | $1,240 |
| 50 | $1,136 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,362 |
| $500 | $1,240 |
| $1,000 | $1,122 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,240 |
| 50/100 | $1,258 |
| 100/300 | $1,377 |
| 250/500 | $1,688 |
| 100 CSL | $1,305 |
| 300 CSL | $1,568 |
| 500 CSL | $1,760 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,976 |
| 20 | $4,542 |
| 30 | $2,706 |
| 40 | $2,678 |
| 50 | $2,560 |
| 60 | $2,536 |
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 | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $48 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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