Chevrolet Silverado 3500HD Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 25, 2024
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The average insurance rates for a Chevrolet Silverado 3500HD are $1,164 a year with full coverage. Comprehensive insurance costs around $200 each year, collision insurance costs $250, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,496 or more. Teen drivers cost the most to insure at up to $4,650 a year.
Average premium for full coverage: $1,164
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Silverado 3500HD models.
Price Range Variability
For the normal driver, Chevrolet Silverado 3500HD insurance rates range from the low end price of $588 for liability-only coverage to a high rate of $2,496 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.
The examples above demonstrate why all drivers should compare rates 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 Charts and Tables
The chart below details average Chevrolet Silverado 3500HD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $706
- Drivers who choose higher $1,000 deductibles will pay about $104 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,164
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $192 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,496
- Policy cost that insures a 16-year-old driver can be $4,650 a year
Insurance rates for a Chevrolet Silverado 3500HD also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age
Your home state makes a big difference in Chevrolet Silverado 3500HD insurance prices. A 40-year-old driver could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,570 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$110 | -9.5% |
| Alaska | $894 | -$270 | -23.2% |
| Arizona | $966 | -$198 | -17.0% |
| Arkansas | $1,164 | -$0 | 0.0% |
| California | $1,326 | $162 | 13.9% |
| Colorado | $1,110 | -$54 | -4.6% |
| Connecticut | $1,196 | $32 | 2.7% |
| Delaware | $1,316 | $152 | 13.1% |
| Florida | $1,456 | $292 | 25.1% |
| Georgia | $1,076 | -$88 | -7.6% |
| Hawaii | $834 | -$330 | -28.4% |
| Idaho | $788 | -$376 | -32.3% |
| Illinois | $866 | -$298 | -25.6% |
| Indiana | $880 | -$284 | -24.4% |
| Iowa | $786 | -$378 | -32.5% |
| Kansas | $1,104 | -$60 | -5.2% |
| Kentucky | $1,588 | $424 | 36.4% |
| Louisiana | $1,724 | $560 | 48.1% |
| Maine | $720 | -$444 | -38.1% |
| Maryland | $962 | -$202 | -17.4% |
| Massachusetts | $930 | -$234 | -20.1% |
| Michigan | $2,018 | $854 | 73.4% |
| Minnesota | $974 | -$190 | -16.3% |
| Mississippi | $1,394 | $230 | 19.8% |
| Missouri | $1,032 | -$132 | -11.3% |
| Montana | $1,250 | $86 | 7.4% |
| Nebraska | $918 | -$246 | -21.1% |
| Nevada | $1,396 | $232 | 19.9% |
| New Hampshire | $840 | -$324 | -27.8% |
| New Jersey | $1,302 | $138 | 11.9% |
| New Mexico | $1,030 | -$134 | -11.5% |
| New York | $1,224 | $60 | 5.2% |
| North Carolina | $672 | -$492 | -42.3% |
| North Dakota | $954 | -$210 | -18.0% |
| Ohio | $802 | -$362 | -31.1% |
| Oklahoma | $1,194 | $30 | 2.6% |
| Oregon | $1,066 | -$98 | -8.4% |
| Pennsylvania | $1,110 | -$54 | -4.6% |
| Rhode Island | $1,552 | $388 | 33.3% |
| South Carolina | $1,056 | -$108 | -9.3% |
| South Dakota | $984 | -$180 | -15.5% |
| Tennessee | $1,018 | -$146 | -12.5% |
| Texas | $1,402 | $238 | 20.4% |
| Utah | $860 | -$304 | -26.1% |
| Vermont | $796 | -$368 | -31.6% |
| Virginia | $696 | -$468 | -40.2% |
| Washington | $896 | -$268 | -23.0% |
| West Virginia | $1,066 | -$98 | -8.4% |
| Wisconsin | $804 | -$360 | -30.9% |
| Wyoming | $1,036 | -$128 | -11.0% |
Choosing high deductibles could save up to $300 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per 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 4WD | $1,228 | $102 |
| LT Extended Cab 4WD | $1,228 | $102 |
| LT Crew Cab 2WD | $1,052 | $88 |
| LTZ Crew Cab 2WD | $1,070 | $89 |
| LT Crew Cab Diesel 2WD | $1,090 | $91 |
| LTZ Crew Cab Diesel 2WD | $1,108 | $92 |
Rates assume 2011 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 3500HD | $370 | $626 | $450 | $1,626 |
| 2023 Chevrolet Silverado 3500HD | $356 | $610 | $470 | $1,616 |
| 2022 Chevrolet Silverado 3500HD | $344 | $586 | $486 | $1,596 |
| 2021 Chevrolet Silverado 3500HD | $326 | $564 | $500 | $1,570 |
| 2020 Chevrolet Silverado 3500HD | $312 | $524 | $510 | $1,526 |
| 2019 Chevrolet Silverado 3500HD | $300 | $494 | $514 | $1,488 |
| 2018 Chevrolet Silverado 3500HD | $288 | $442 | $520 | $1,430 |
| 2017 Chevrolet Silverado 3500HD | $270 | $408 | $520 | $1,378 |
| 2016 Chevrolet Silverado 3500HD | $260 | $382 | $524 | $1,346 |
| 2015 Chevrolet Silverado 3500HD | $254 | $356 | $534 | $1,324 |
| 2014 Chevrolet Silverado 3500HD | $234 | $330 | $534 | $1,278 |
| 2012 Chevrolet Silverado 3500HD | $212 | $274 | $534 | $1,200 |
| 2011 Chevrolet Silverado 3500HD | $200 | $250 | $534 | $1,164 |
| 2010 Chevrolet Silverado 3500HD | $194 | $224 | $530 | $1,128 |
Rates are averaged for all Chevrolet Silverado 3500HD 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 the Cheapest Chevrolet Silverado 3500HD Insurance
Finding cheaper rates on insurance for a Chevrolet Silverado 3500HD not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Shop around every year by quoting rates from direct companies, and also from your local independent and exclusive agents.
The list below is a recap of the coverage data presented in the illustrations above.
- You may be able to save up to $130 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $300 each year
- Teenagers pay higher rates, as much as $388 each month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may pay on average $1,330 more every year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,650 |
| 20 | $2,650 |
| 30 | $1,184 |
| 40 | $1,164 |
| 50 | $1,068 |
| 60 | $1,044 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,356 |
| $250 | $1,270 |
| $500 | $1,164 |
| $1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,164 |
| 50/100 | $1,203 |
| 100/300 | $1,321 |
| 250/500 | $1,629 |
| 100 CSL | $1,250 |
| 300 CSL | $1,511 |
| 500 CSL | $1,701 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,556 |
| 20 | $4,218 |
| 30 | $2,520 |
| 40 | $2,496 |
| 50 | $2,388 |
| 60 | $2,362 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $21 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $42 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $458 |
Discounts are estimated and may not be available from every company or in every state.
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