Chevrolet Silverado 2500HD Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance rates for a Chevrolet Silverado 2500HD are $1,194 a year including full coverage. Comprehensive costs on average $192, collision costs $288, and liability is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing around $2,576. Teens pay the most at $4,786 a year or more.

Average premium for full coverage: $1,194

Premium estimates by type of coverage:

Comprehensive $192
Collision $288
Liability $534

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all Silverado 2500HD models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Chevrolet Silverado 2500HD go from as low as $588 for your basic liability-only policy to the much higher price of $2,576 for a high-risk driver policy.

Liability Only $588
Full Coverage $1,194
High Risk $2,576

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $896
Small Cities $1,254
Large Cities $1,612

These rate differences highlight why everyone should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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.

More Rate Information

The chart below breaks down estimated Chevrolet Silverado 2500HD insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $717
  • Raising to $1,000 deductibles will save around $110 every year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,194
  • Selecting pricier low deductibles will increase the cost to $1,402
  • At-risk drivers with serious driving violations could pay upwards of $2,576 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,786

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance rates range from $717 to $4,786

Insurance prices for a Chevrolet Silverado 2500HD also have a wide range based on your driving characteristics, the model of your Silverado 2500HD, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Chevrolet Silverado 2500HD insurance prices. A middle-age driver might find prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,700 on average in Michigan, New York, and Louisiana.

Chevrolet Silverado 2500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$116 -9.7%
Alaska $914 -$280 -23.5%
Arizona $990 -$204 -17.1%
Arkansas $1,194 -$0 0.0%
California $1,360 $166 13.9%
Colorado $1,136 -$58 -4.9%
Connecticut $1,226 $32 2.7%
Delaware $1,350 $156 13.1%
Florida $1,492 $298 25.0%
Georgia $1,102 -$92 -7.7%
Hawaii $856 -$338 -28.3%
Idaho $808 -$386 -32.3%
Illinois $886 -$308 -25.8%
Indiana $900 -$294 -24.6%
Iowa $806 -$388 -32.5%
Kansas $1,134 -$60 -5.0%
Kentucky $1,626 $432 36.2%
Louisiana $1,768 $574 48.1%
Maine $738 -$456 -38.2%
Maryland $986 -$208 -17.4%
Massachusetts $952 -$242 -20.3%
Michigan $2,070 $876 73.4%
Minnesota $998 -$196 -16.4%
Mississippi $1,428 $234 19.6%
Missouri $1,058 -$136 -11.4%
Montana $1,282 $88 7.4%
Nebraska $940 -$254 -21.3%
Nevada $1,434 $240 20.1%
New Hampshire $862 -$332 -27.8%
New Jersey $1,336 $142 11.9%
New Mexico $1,056 -$138 -11.6%
New York $1,256 $62 5.2%
North Carolina $688 -$506 -42.4%
North Dakota $978 -$216 -18.1%
Ohio $822 -$372 -31.2%
Oklahoma $1,224 $30 2.5%
Oregon $1,094 -$100 -8.4%
Pennsylvania $1,136 -$58 -4.9%
Rhode Island $1,590 $396 33.2%
South Carolina $1,082 -$112 -9.4%
South Dakota $1,008 -$186 -15.6%
Tennessee $1,044 -$150 -12.6%
Texas $1,436 $242 20.3%
Utah $882 -$312 -26.1%
Vermont $816 -$378 -31.7%
Virginia $712 -$482 -40.4%
Washington $920 -$274 -22.9%
West Virginia $1,094 -$100 -8.4%
Wisconsin $826 -$368 -30.8%
Wyoming $1,062 -$132 -11.1%

View Chart as Image

Chevrolet Silverado 2500HD insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $320 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 additional annually, depending on your age. Chevrolet Silverado 2500HD insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Chevrolet Silverado 2500HD Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
LT Crew Cab 2WD $1,164 $97
LT Crew Cab 4WD $1,056 $88
LTZ Crew Cab 4WD $1,078 $90
LT Crew Cab Diesel 2WD $1,206 $101
LT Extended Cab Diesel 2WD $1,206 $101
LTZ Crew Cab 2WD $1,206 $101
LT Crew Cab Diesel 4WD $1,098 $92
LTZ Crew Cab Diesel 2WD $1,226 $102
LTZ Crew Cab Diesel 4WD $1,118 $93

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.

Chevrolet Silverado 2500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Chevrolet Silverado 2500HD $332 $656 $450 $1,618
2023 Chevrolet Silverado 2500HD $320 $640 $470 $1,610
2022 Chevrolet Silverado 2500HD $310 $612 $486 $1,588
2021 Chevrolet Silverado 2500HD $292 $592 $500 $1,564
2019 Chevrolet Silverado 2500HD $270 $516 $514 $1,480
2018 Chevrolet Silverado 2500HD $258 $464 $520 $1,422
2017 Chevrolet Silverado 2500HD $242 $426 $520 $1,368
2016 Chevrolet Silverado 2500HD $234 $400 $524 $1,338
2014 Chevrolet Silverado 2500HD $210 $346 $534 $1,270
2012 Chevrolet Silverado 2500HD $192 $288 $534 $1,194
2010 Chevrolet Silverado 2500HD $174 $234 $530 $1,118

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 Low Cost Chevrolet Silverado 2500HD Insurance

Finding better rates on car insurance consists of being a low-risk driver, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the information covered above.

  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Teen drivers pay higher prices, with the cost nearing $399 per month including comprehensive and collision insurance
  • Increasing policy deductibles can save around $325 each year
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,380 more each year to insure their Silverado 2500HD
  • Policyholders who require more liability coverage will pay approximately $590 per year to raise from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Chevrolet Silverado 2500HD Insurance Rates by Driver Age
Driver Age Premium
16 $4,786
20 $2,742
30 $1,216
40 $1,194
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,306
$500 $1,194
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 2500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,194
50/100 $1,213
100/300 $1,331
250/500 $1,639
100 CSL $1,260
300 CSL $1,521
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado 2500HD Insurance Rates for High Risk Drivers
Age Premium
16 $6,758
20 $4,372
30 $2,602
40 $2,576
50 $2,464
60 $2,440

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $65
Homeowner $21
5-yr Accident Free $75
5-yr Claim Free $75
Paid in Full/EFT $45
Advance Quote $54
Online Quote $81
Total Discounts $477
Rate after discounts $717

Discounts are estimated and may not be available from every company or in every state.

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