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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Average insurance rates for a Chevrolet Silverado 3500HD are $1,200 a year for full coverage insurance. Comprehensive insurance costs an estimated $212 a year, collision costs $274, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,580 or more. Teen drivers receive the highest rates at $4,768 a year or more.
Average premium for full coverage: $1,200
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Silverado 3500HD trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $588 for your basic liability-only policy to a high of $2,580 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
These examples illustrate why it is important to compare rates for a targeted area and risk profile, rather than relying 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.
More Rate Information
The chart below illustrates estimated Chevrolet Silverado 3500HD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $726
- Drivers who choose higher $1,000 deductibles will pay approximately $1,090 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,200
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $212 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,580 or more
- The cost for full coverage for a teen driver can cost as much as $4,768 a year
Auto insurance rates for a Chevrolet Silverado 3500HD can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age
Where you live makes a big difference in Chevrolet Silverado 3500HD insurance rates. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,620 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$114 | -9.5% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $998 | -$202 | -16.8% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,370 | $170 | 14.2% |
| Colorado | $1,146 | -$54 | -4.5% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,358 | $158 | 13.2% |
| Florida | $1,504 | $304 | 25.3% |
| Georgia | $1,110 | -$90 | -7.5% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $814 | -$386 | -32.2% |
| Illinois | $892 | -$308 | -25.7% |
| Indiana | $908 | -$292 | -24.3% |
| Iowa | $812 | -$388 | -32.3% |
| Kansas | $1,140 | -$60 | -5.0% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,780 | $580 | 48.3% |
| Maine | $744 | -$456 | -38.0% |
| Maryland | $992 | -$208 | -17.3% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,440 | $240 | 20.0% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,290 | $90 | 7.5% |
| Nebraska | $948 | -$252 | -21.0% |
| Nevada | $1,444 | $244 | 20.3% |
| New Hampshire | $868 | -$332 | -27.7% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,266 | $66 | 5.5% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $828 | -$372 | -31.0% |
| Oklahoma | $1,232 | $32 | 2.7% |
| Oregon | $1,102 | -$98 | -8.2% |
| Pennsylvania | $1,144 | -$56 | -4.7% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,016 | -$184 | -15.3% |
| Tennessee | $1,050 | -$150 | -12.5% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $824 | -$376 | -31.3% |
| Virginia | $718 | -$482 | -40.2% |
| Washington | $926 | -$274 | -22.8% |
| West Virginia | $1,102 | -$98 | -8.2% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Choosing high deductibles could save up to $330 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 4WD | $1,264 | $105 |
| LT Extended Cab 4WD | $1,264 | $105 |
| LT Crew Cab 2WD | $1,086 | $91 |
| LTZ Crew Cab 2WD | $1,106 | $92 |
| LT Crew Cab Diesel 2WD | $1,126 | $94 |
| LTZ Crew Cab Diesel 2WD | $1,148 | $96 |
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 | $384 | $630 | $440 | $1,634 |
| 2023 Chevrolet Silverado 3500HD | $370 | $626 | $450 | $1,626 |
| 2022 Chevrolet Silverado 3500HD | $356 | $610 | $470 | $1,616 |
| 2021 Chevrolet Silverado 3500HD | $344 | $586 | $486 | $1,596 |
| 2020 Chevrolet Silverado 3500HD | $326 | $564 | $500 | $1,570 |
| 2019 Chevrolet Silverado 3500HD | $312 | $524 | $510 | $1,526 |
| 2018 Chevrolet Silverado 3500HD | $300 | $494 | $514 | $1,488 |
| 2017 Chevrolet Silverado 3500HD | $288 | $442 | $520 | $1,430 |
| 2016 Chevrolet Silverado 3500HD | $270 | $408 | $520 | $1,378 |
| 2015 Chevrolet Silverado 3500HD | $260 | $382 | $524 | $1,346 |
| 2014 Chevrolet Silverado 3500HD | $254 | $356 | $534 | $1,324 |
| 2012 Chevrolet Silverado 3500HD | $228 | $300 | $540 | $1,248 |
| 2011 Chevrolet Silverado 3500HD | $212 | $274 | $534 | $1,200 |
| 2010 Chevrolet Silverado 3500HD | $200 | $250 | $534 | $1,164 |
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 Best Chevrolet Silverado 3500HD Insurance
Saving money on Chevrolet Silverado 3500HD insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following items are a brief recap of the concepts that were covered in the charts and tables above.
- High-risk drivers who tend to receive serious violations pay on average $1,380 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, costing up to $397 per month if they have full coverage
- It is possible to save approximately $140 per year simply by quoting early and online
- Increasing deductibles can save around $325 each year
- It is possible to save approximately $140 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,768 |
| 20 | $2,736 |
| 30 | $1,226 |
| 40 | $1,200 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,316 |
| $500 | $1,200 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,243 |
| 100/300 | $1,361 |
| 250/500 | $1,669 |
| 100 CSL | $1,290 |
| 300 CSL | $1,551 |
| 500 CSL | $1,741 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,732 |
| 20 | $4,358 |
| 30 | $2,604 |
| 40 | $2,580 |
| 50 | $2,466 |
| 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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $82 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
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