Chevrolet Silverado 2500HD Insurance Rates
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UPDATED: May 14, 2024
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U.S. average insurance rates for a Chevrolet Silverado 2500HD are $1,270 a year with full coverage. Comprehensive costs around $210 each year, collision costs $346, and liability costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing around $2,752. Teen drivers pay the highest rates at $5,044 a year or more.
Average premium for full coverage: $1,270
Price estimates for individual coverage:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Silverado 2500HD models.
Price Range from Low to High
Using a middle-aged driver as an example, Chevrolet Silverado 2500HD insurance prices go from the low end price of $588 for just the minimum liability insurance to a high rate of $2,752 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on price 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.
Additional Rate Analysis
The chart below details estimated Chevrolet Silverado 2500HD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $754
- Using higher $1,000 deductibles will save about $126 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,270
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,514
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,752 or more
- The price that insures a 16-year-old driver can be $5,044 or more
Insurance prices for a Chevrolet Silverado 2500HD are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be from 42% to 131% more than average. 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 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age
The state you live in has a huge impact on Chevrolet Silverado 2500HD insurance prices. A driver around age 40 might see prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,720 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,150 | -$120 | -9.4% |
| Alaska | $976 | -$294 | -23.1% |
| Arizona | $1,056 | -$214 | -16.9% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,448 | $178 | 14.0% |
| Colorado | $1,212 | -$58 | -4.6% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,438 | $168 | 13.2% |
| Florida | $1,590 | $320 | 25.2% |
| Georgia | $1,174 | -$96 | -7.6% |
| Hawaii | $912 | -$358 | -28.2% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $946 | -$324 | -25.5% |
| Indiana | $960 | -$310 | -24.4% |
| Iowa | $858 | -$412 | -32.4% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,734 | $464 | 36.5% |
| Louisiana | $1,882 | $612 | 48.2% |
| Maine | $786 | -$484 | -38.1% |
| Maryland | $1,050 | -$220 | -17.3% |
| Massachusetts | $1,014 | -$256 | -20.2% |
| Michigan | $2,206 | $936 | 73.7% |
| Minnesota | $1,064 | -$206 | -16.2% |
| Mississippi | $1,522 | $252 | 19.8% |
| Missouri | $1,128 | -$142 | -11.2% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,002 | -$268 | -21.1% |
| Nevada | $1,526 | $256 | 20.2% |
| New Hampshire | $918 | -$352 | -27.7% |
| New Jersey | $1,424 | $154 | 12.1% |
| New Mexico | $1,124 | -$146 | -11.5% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $734 | -$536 | -42.2% |
| North Dakota | $1,042 | -$228 | -18.0% |
| Ohio | $878 | -$392 | -30.9% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,166 | -$104 | -8.2% |
| Pennsylvania | $1,212 | -$58 | -4.6% |
| Rhode Island | $1,696 | $426 | 33.5% |
| South Carolina | $1,152 | -$118 | -9.3% |
| South Dakota | $1,074 | -$196 | -15.4% |
| Tennessee | $1,112 | -$158 | -12.4% |
| Texas | $1,532 | $262 | 20.6% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $870 | -$400 | -31.5% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $980 | -$290 | -22.8% |
| West Virginia | $1,166 | -$104 | -8.2% |
| Wisconsin | $880 | -$390 | -30.7% |
| Wyoming | $1,132 | -$138 | -10.9% |
Choosing high deductibles could cut prices by as much as $370 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 2WD | $1,238 | $103 |
| LT Crew Cab 4WD | $1,126 | $94 |
| LTZ Crew Cab 4WD | $1,150 | $96 |
| LT Crew Cab Diesel 2WD | $1,286 | $107 |
| LT Extended Cab Diesel 2WD | $1,286 | $107 |
| LTZ Crew Cab 2WD | $1,286 | $107 |
| LT Crew Cab Diesel 4WD | $1,172 | $98 |
| LTZ Crew Cab Diesel 2WD | $1,310 | $109 |
| LTZ Crew Cab Diesel 4WD | $1,196 | $100 |
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 | $362 | $688 | $420 | $1,650 |
| 2023 Chevrolet Silverado 2500HD | $346 | $660 | $440 | $1,626 |
| 2022 Chevrolet Silverado 2500HD | $332 | $656 | $450 | $1,618 |
| 2021 Chevrolet Silverado 2500HD | $320 | $640 | $470 | $1,610 |
| 2019 Chevrolet Silverado 2500HD | $292 | $592 | $500 | $1,564 |
| 2018 Chevrolet Silverado 2500HD | $282 | $548 | $510 | $1,520 |
| 2017 Chevrolet Silverado 2500HD | $270 | $516 | $514 | $1,480 |
| 2016 Chevrolet Silverado 2500HD | $258 | $464 | $520 | $1,422 |
| 2014 Chevrolet Silverado 2500HD | $234 | $400 | $524 | $1,338 |
| 2012 Chevrolet Silverado 2500HD | $210 | $346 | $534 | $1,270 |
| 2010 Chevrolet Silverado 2500HD | $192 | $288 | $534 | $1,194 |
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 requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.
The next list is a summary of the data touched on in the above illustrations.
- Insureds who may need increased levels of liability coverage will pay about $590 every year to increase from a low limit to the 250/500 level
- You may be able to save up to $150 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $375 each year
- Drivers age 20 and younger are charged the highest prices, costing up to $420 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,044 |
| 20 | $2,932 |
| 30 | $1,302 |
| 40 | $1,270 |
| 50 | $1,166 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,404 |
| $500 | $1,270 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,291 |
| 100/300 | $1,409 |
| 250/500 | $1,717 |
| 100 CSL | $1,338 |
| 300 CSL | $1,599 |
| 500 CSL | $1,789 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,142 |
| 20 | $4,676 |
| 30 | $2,786 |
| 40 | $2,752 |
| 50 | $2,634 |
| 60 | $2,608 |
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 | $65 |
| Multi-vehicle | $69 |
| Homeowner | $22 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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