Chevrolet Silverado 2500HD Insurance Rates

U.S. average auto insurance rates for a Chevrolet Silverado 2500HD are $1,194 annually for full coverage insurance. Comprehensive insurance costs around $192, collision costs $288, and liability costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,576 or more. Teenage drivers pay the highest rates at $4,786 a year or more.

Average premium for full coverage: $1,194

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Silverado 2500HD models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated Chevrolet Silverado 2500HD insurance rates for additional coverage choices and driver risks.

• The best discount rate is $717
• Drivers who choose higher $1,000 deductibles will pay about $110 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,194
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $208 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,576 or more
• The price with full coverage for a teen driver for full coverage can be $4,786 a year

View Chart as Image

Insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 additional each year, depending on your age. Chevrolet Silverado 2500HD insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $320 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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 $780 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,610 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Affordable Chevrolet Silverado 2500HD Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief review of the ideas that were illustrated above.

• Drivers under the age of 20 are charged the highest prices, as much as $399 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,380 more every year to insure a Chevrolet Silverado 2500HD
• Increasing physical damage deductibles could save up to $325 each year
• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date