Chevrolet Silverado 3500HD Insurance Rates

U.S. average insurance rates for a Chevrolet Silverado 3500HD are $1,164 a year including full coverage. Comprehensive costs an estimated $200 a year, collision insurance costs $250, and liability insurance costs around $534. A policy with just liability insurance costs as low as $588 a year, and coverage for high-risk drivers costs around $2,496. Teens pay the highest rates at up to $4,650 a year.

Average premium for full coverage: $1,164

Price estimates broken down by individual coverage:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Silverado 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area, rather than relying on averaged prices.

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

Additional Rate Details

The chart below breaks down average Chevrolet Silverado 3500HD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $706
• Using higher $1,000 deductibles will save approximately $1,060 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,164
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,356
• Drivers with serious driving violations could pay up to $2,496
• The price that insures a teen driver can cost as much as $4,650 or more

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Insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on the trim level of your Silverado 3500HD, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

The state you live in has a huge impact on Chevrolet Silverado 3500HD insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,660 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Chevrolet Silverado 3500HD Insurance

Getting lower rates on Chevrolet Silverado 3500HD insurance requires being a safe and courteous driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare rates every time your policy renews by quoting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a brief summary of the information touched on above.

• You may be able to save approximately $130 per year just by quoting early and online
• Teenage drivers are charged the highest prices, possibly costing $388 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $300 each year
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,330 more annually for auto insurance
• Drivers who want higher levels of liability will pay approximately $590 per year to increase from a low limit to the 250/500 level