Chevrolet Silverado 3500HD 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...
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UPDATED: Apr 25, 2024
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Estimated auto insurance rates for a Chevrolet Silverado 3500HD are $1,164 annually for full coverage insurance. Comprehensive costs approximately $200, collision costs $250, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,496. Teens pay the most at $4,650 a year or more.
Average premium for full coverage: $1,164
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Silverado 3500HD trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Chevrolet Silverado 3500HD go from as cheap as $588 for minimum levels of liability insurance to a much higher rate of $2,496 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, 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.
Additional Rate Details
The chart below illustrates estimated Chevrolet Silverado 3500HD insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $706
- Raising to $1,000 deductibles will save $104 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,164
- Selecting more expensive low deductibles will cost $1,356
- At-risk drivers with serious driving violations could pay around $2,496 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,650
Auto insurance prices for a Chevrolet Silverado 3500HD also have a wide range based on the model of your Silverado 3500HD, your risk profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage 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 without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Chevrolet Silverado 3500HD insurance prices. A middle-age driver might find prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,570 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially different between companies.
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 Buy More Affordable Chevrolet Silverado 3500HD Insurance
Finding better rates on car insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a summary of the concepts that were raised in the charts and tables above.
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,330 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $388 per month if full coverage is included
- It is possible to save around $130 per year simply by shopping early and online
- Increasing policy deductibles could save up to $300 each year
- It is possible to save around $130 per year simply by shopping early and online
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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